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Last modified May 16 2015 Insurance 371 Comments

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri JeevanJyoti Bima Yojana and Atal Pension Yojna

ldquoA large proportion of Indiarsquos population is without insurance of any kind health accidental or lifeWorryingly as our young population ages it is also going to be pension-less Encouraged by the success ofthe Pradhan Mantri Jan Dhan Yojana (PMJDY) I propose to work towards creating a universal socialsecurity system for all Indians that will ensure that no Indian citizen will have to worry about illnessaccidents or penury in old agerdquo said Finance Minister Arun Jaitley in his budget speech on 1 Mar2015 Schemes were launched by Prime minister on 9 May 2015

The official website of the scheme is wwwjansurakshagovin National Toll-Free ndash 1800-180-1111

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

1 of 75 170515 1112 AM

1800-110-001 and StateWise Toll free number are listed in this document Statewise Toll-Free (pdf)

Forms are available in BanglaEnglish GujaratiHindiKannadaMarathiOdiaTamil and Telugu whichcan be downloaded fromwwwjansurakshagovinformsaspx

Government announced insurance schemes Pradhan Mantri Suraksha Bima Yojana (for Accidental Deathand Disability) Pradhan Mantri Jeevan Jyoti Bima Yojana (for life insurance) and Atal Pension Yojna (forpension) This article gives the highlights of these schemes These schemes would be come in effect from 1June 2015

The government plans to use technology to the extent possible to reach out to the beneficiaries therebyplugging leakages in the system The JAM (Jan Dhan Yojana Aadhaar and mobile) number trinity willallow government to transfer benefits in a leakage-proof well-targeted and cashless manner

Pradhan Mantri Suraksha Bima Yojana

Highlights of the Pradhan Mantri Suraksha Bima Yojana (Pmsby ndash Scheme 1 ndash for Accidental DeathInsurance) are

Eligibility Available to people in age group 18 to 70 years with bank accountPremium Rs 12 per annumPayment Mode The premium will be directly auto-debited by the bank from the subscribers accountThis is the only mode availableRisk Coverage For accidental death and full disability ndash Rs 2 Lakh and for partial disability ndashRs 1 LakhEligibility Any person having a bank account and Aadhaar number linked to the bank account can

give a simple form to the bank every year before 1st of June in order to join the scheme Name ofnominee to be given in the formTerms of Risk Coverage A person has to opt for the scheme every year He can also prefer to give along-term option of continuing in which case his account will be auto-debited every year by the bankWho will implement this Scheme The scheme will be offered by all Public Sector General InsuranceCompanies and all other insurers who are willing to join the scheme and tie-up with banks for thispurposeThe premium paid will be tax-free under section 80C and also the proceeds amount will gettax-exemption us 10(10D)But if the proceeds from insurance policy exceed Rs1 lakh TDS at therate of 2 from the total proceeds if no Form 15G or Form 15H is submitted to the insurer

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

2 of 75 170515 1112 AM

Pradhan Mantri Suraksha Bima Yojn

Pradhan Mantri Jeevan Jyoti Bima Yojana

Highlights of The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY ndash SCHEME 2 ndash FOR LIFEINSURANCE COVER)

Eligibility Available to people in the age group of 18 to 50 and having a bank account Peoplewho join the scheme before completing 50 years can however continue to have the risk of life coverup to the age of 55 years subject to payment of premiumPremium Rs 330 per annum It will be auto-debited in one instalmentPayment Mode The payment of premium will be directly auto-debited by the bank from thesubscribers accountRisk Coverage Rs 2 Lakh in case of death for any reasonTerms of Risk Coverage A person has to opt for the scheme every year He can also prefer to give along-term option of continuing in which case his account will be auto-debited every year by the bankWho will implement this Scheme The scheme will be offered by Life Insurance Corporation and all

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

3 of 75 170515 1112 AM

other life insurers who are willing to join the scheme and tie-up with banks for this purpose

Pradhan mantri Jeevan Jyoti Yojna

Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vsSuraksha Bima Yojana (PMSBY)

FeaturesPradhan Mantri Suraksha BimaYojana (PMSBY)

Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY)

Eligibility 18-70 years 18-50 years

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

4 of 75 170515 1112 AM

Number of Policy One Policy Per Person One Policy Per Person

When to Join the Scheme Any time Any time

Sum Assured (Fixed) Rs 2 lakhs Rs 2 lakhs

Premium Rs 12 per annum Rs 330 per annum

Cover stops at age At the age of 70 years At the age of 55 years

Maturity Benefit Nil Nil

Death Benefit (Natural Death) Nil Rs 2 lakhs

Death Benefit (Accidental Death) Rs 2 lakhs Rs 2 lakhs

Disability of both eyes bothhands both legs or one eye andone limb

Rs 2 lakhs Nil

Disability of one eye or one limb Rs 1 lakh Nil

Maximum Insurance cover Rs 2 lakhs Rs2 lakhs

Risk Period 1st June to 31st May every year 1st June to 31st May every year

Mode of PaymentPremium will be auto debited fromaccount in the month of May everyyear

Premium will be auto debited fromaccount in the month of May everyyear

List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)amp Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Those who have bank account with banks like ICICI Bank HDFC Bank have got SMS

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annualpremium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobile numberPremium amount will be debited from Your HDFC Bank Savings Account For T amp C amp other detailsclick here

Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector A pension providespeople with a monthly income when they are no longer earning A Subscriber receives pension based onaccumulated contribution out of his current incomeUnder the Atal Pension Yojna Scheme (APY) thesubscribers under the age of 40 would receive the fixed monthly pension of Rs 1000 to Rs 5000 at the ageof 60 years depending on their contributionsTo make the the pension scheme more attractive government would co-contribute 50 per cent of asubscriberrsquos contribution or Rs 1000 per annum whichever is lower to each eligible subscriberaccount for a period of of 5 years from 2015-16 to 2019-20 The benefit of governmentrsquos co-contributioncan be availed by those who subscribe to the scheme before December 31 2015 We have covered the scheme in detail in our article Atal Pension YojnaOfficial Details of Atal Pension Yojnaincluding form are now available athttpfinancialservicesgovinAPYasp

Eligibility for APY Atal Pension Yojana (APY) is open to all bank account holders who are not members ofany statutory social security scheme

Age of joining and contribution period The minimum age of joining APY is 18 years and maximum age is40 years One needs to contribute till one attains 60 years of age

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

5 of 75 170515 1112 AM

Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

1800-110-001 and StateWise Toll free number are listed in this document Statewise Toll-Free (pdf)

Forms are available in BanglaEnglish GujaratiHindiKannadaMarathiOdiaTamil and Telugu whichcan be downloaded fromwwwjansurakshagovinformsaspx

Government announced insurance schemes Pradhan Mantri Suraksha Bima Yojana (for Accidental Deathand Disability) Pradhan Mantri Jeevan Jyoti Bima Yojana (for life insurance) and Atal Pension Yojna (forpension) This article gives the highlights of these schemes These schemes would be come in effect from 1June 2015

The government plans to use technology to the extent possible to reach out to the beneficiaries therebyplugging leakages in the system The JAM (Jan Dhan Yojana Aadhaar and mobile) number trinity willallow government to transfer benefits in a leakage-proof well-targeted and cashless manner

Pradhan Mantri Suraksha Bima Yojana

Highlights of the Pradhan Mantri Suraksha Bima Yojana (Pmsby ndash Scheme 1 ndash for Accidental DeathInsurance) are

Eligibility Available to people in age group 18 to 70 years with bank accountPremium Rs 12 per annumPayment Mode The premium will be directly auto-debited by the bank from the subscribers accountThis is the only mode availableRisk Coverage For accidental death and full disability ndash Rs 2 Lakh and for partial disability ndashRs 1 LakhEligibility Any person having a bank account and Aadhaar number linked to the bank account can

give a simple form to the bank every year before 1st of June in order to join the scheme Name ofnominee to be given in the formTerms of Risk Coverage A person has to opt for the scheme every year He can also prefer to give along-term option of continuing in which case his account will be auto-debited every year by the bankWho will implement this Scheme The scheme will be offered by all Public Sector General InsuranceCompanies and all other insurers who are willing to join the scheme and tie-up with banks for thispurposeThe premium paid will be tax-free under section 80C and also the proceeds amount will gettax-exemption us 10(10D)But if the proceeds from insurance policy exceed Rs1 lakh TDS at therate of 2 from the total proceeds if no Form 15G or Form 15H is submitted to the insurer

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

2 of 75 170515 1112 AM

Pradhan Mantri Suraksha Bima Yojn

Pradhan Mantri Jeevan Jyoti Bima Yojana

Highlights of The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY ndash SCHEME 2 ndash FOR LIFEINSURANCE COVER)

Eligibility Available to people in the age group of 18 to 50 and having a bank account Peoplewho join the scheme before completing 50 years can however continue to have the risk of life coverup to the age of 55 years subject to payment of premiumPremium Rs 330 per annum It will be auto-debited in one instalmentPayment Mode The payment of premium will be directly auto-debited by the bank from thesubscribers accountRisk Coverage Rs 2 Lakh in case of death for any reasonTerms of Risk Coverage A person has to opt for the scheme every year He can also prefer to give along-term option of continuing in which case his account will be auto-debited every year by the bankWho will implement this Scheme The scheme will be offered by Life Insurance Corporation and all

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

3 of 75 170515 1112 AM

other life insurers who are willing to join the scheme and tie-up with banks for this purpose

Pradhan mantri Jeevan Jyoti Yojna

Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vsSuraksha Bima Yojana (PMSBY)

FeaturesPradhan Mantri Suraksha BimaYojana (PMSBY)

Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY)

Eligibility 18-70 years 18-50 years

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

4 of 75 170515 1112 AM

Number of Policy One Policy Per Person One Policy Per Person

When to Join the Scheme Any time Any time

Sum Assured (Fixed) Rs 2 lakhs Rs 2 lakhs

Premium Rs 12 per annum Rs 330 per annum

Cover stops at age At the age of 70 years At the age of 55 years

Maturity Benefit Nil Nil

Death Benefit (Natural Death) Nil Rs 2 lakhs

Death Benefit (Accidental Death) Rs 2 lakhs Rs 2 lakhs

Disability of both eyes bothhands both legs or one eye andone limb

Rs 2 lakhs Nil

Disability of one eye or one limb Rs 1 lakh Nil

Maximum Insurance cover Rs 2 lakhs Rs2 lakhs

Risk Period 1st June to 31st May every year 1st June to 31st May every year

Mode of PaymentPremium will be auto debited fromaccount in the month of May everyyear

Premium will be auto debited fromaccount in the month of May everyyear

List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)amp Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Those who have bank account with banks like ICICI Bank HDFC Bank have got SMS

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annualpremium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobile numberPremium amount will be debited from Your HDFC Bank Savings Account For T amp C amp other detailsclick here

Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector A pension providespeople with a monthly income when they are no longer earning A Subscriber receives pension based onaccumulated contribution out of his current incomeUnder the Atal Pension Yojna Scheme (APY) thesubscribers under the age of 40 would receive the fixed monthly pension of Rs 1000 to Rs 5000 at the ageof 60 years depending on their contributionsTo make the the pension scheme more attractive government would co-contribute 50 per cent of asubscriberrsquos contribution or Rs 1000 per annum whichever is lower to each eligible subscriberaccount for a period of of 5 years from 2015-16 to 2019-20 The benefit of governmentrsquos co-contributioncan be availed by those who subscribe to the scheme before December 31 2015 We have covered the scheme in detail in our article Atal Pension YojnaOfficial Details of Atal Pension Yojnaincluding form are now available athttpfinancialservicesgovinAPYasp

Eligibility for APY Atal Pension Yojana (APY) is open to all bank account holders who are not members ofany statutory social security scheme

Age of joining and contribution period The minimum age of joining APY is 18 years and maximum age is40 years One needs to contribute till one attains 60 years of age

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

5 of 75 170515 1112 AM

Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

Pradhan Mantri Suraksha Bima Yojn

Pradhan Mantri Jeevan Jyoti Bima Yojana

Highlights of The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY ndash SCHEME 2 ndash FOR LIFEINSURANCE COVER)

Eligibility Available to people in the age group of 18 to 50 and having a bank account Peoplewho join the scheme before completing 50 years can however continue to have the risk of life coverup to the age of 55 years subject to payment of premiumPremium Rs 330 per annum It will be auto-debited in one instalmentPayment Mode The payment of premium will be directly auto-debited by the bank from thesubscribers accountRisk Coverage Rs 2 Lakh in case of death for any reasonTerms of Risk Coverage A person has to opt for the scheme every year He can also prefer to give along-term option of continuing in which case his account will be auto-debited every year by the bankWho will implement this Scheme The scheme will be offered by Life Insurance Corporation and all

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

3 of 75 170515 1112 AM

other life insurers who are willing to join the scheme and tie-up with banks for this purpose

Pradhan mantri Jeevan Jyoti Yojna

Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vsSuraksha Bima Yojana (PMSBY)

FeaturesPradhan Mantri Suraksha BimaYojana (PMSBY)

Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY)

Eligibility 18-70 years 18-50 years

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

4 of 75 170515 1112 AM

Number of Policy One Policy Per Person One Policy Per Person

When to Join the Scheme Any time Any time

Sum Assured (Fixed) Rs 2 lakhs Rs 2 lakhs

Premium Rs 12 per annum Rs 330 per annum

Cover stops at age At the age of 70 years At the age of 55 years

Maturity Benefit Nil Nil

Death Benefit (Natural Death) Nil Rs 2 lakhs

Death Benefit (Accidental Death) Rs 2 lakhs Rs 2 lakhs

Disability of both eyes bothhands both legs or one eye andone limb

Rs 2 lakhs Nil

Disability of one eye or one limb Rs 1 lakh Nil

Maximum Insurance cover Rs 2 lakhs Rs2 lakhs

Risk Period 1st June to 31st May every year 1st June to 31st May every year

Mode of PaymentPremium will be auto debited fromaccount in the month of May everyyear

Premium will be auto debited fromaccount in the month of May everyyear

List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)amp Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Those who have bank account with banks like ICICI Bank HDFC Bank have got SMS

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annualpremium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobile numberPremium amount will be debited from Your HDFC Bank Savings Account For T amp C amp other detailsclick here

Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector A pension providespeople with a monthly income when they are no longer earning A Subscriber receives pension based onaccumulated contribution out of his current incomeUnder the Atal Pension Yojna Scheme (APY) thesubscribers under the age of 40 would receive the fixed monthly pension of Rs 1000 to Rs 5000 at the ageof 60 years depending on their contributionsTo make the the pension scheme more attractive government would co-contribute 50 per cent of asubscriberrsquos contribution or Rs 1000 per annum whichever is lower to each eligible subscriberaccount for a period of of 5 years from 2015-16 to 2019-20 The benefit of governmentrsquos co-contributioncan be availed by those who subscribe to the scheme before December 31 2015 We have covered the scheme in detail in our article Atal Pension YojnaOfficial Details of Atal Pension Yojnaincluding form are now available athttpfinancialservicesgovinAPYasp

Eligibility for APY Atal Pension Yojana (APY) is open to all bank account holders who are not members ofany statutory social security scheme

Age of joining and contribution period The minimum age of joining APY is 18 years and maximum age is40 years One needs to contribute till one attains 60 years of age

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

5 of 75 170515 1112 AM

Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

other life insurers who are willing to join the scheme and tie-up with banks for this purpose

Pradhan mantri Jeevan Jyoti Yojna

Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vsSuraksha Bima Yojana (PMSBY)

FeaturesPradhan Mantri Suraksha BimaYojana (PMSBY)

Pradhan Mantri Jeevan Jyoti BimaYojana (PMJJBY)

Eligibility 18-70 years 18-50 years

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

4 of 75 170515 1112 AM

Number of Policy One Policy Per Person One Policy Per Person

When to Join the Scheme Any time Any time

Sum Assured (Fixed) Rs 2 lakhs Rs 2 lakhs

Premium Rs 12 per annum Rs 330 per annum

Cover stops at age At the age of 70 years At the age of 55 years

Maturity Benefit Nil Nil

Death Benefit (Natural Death) Nil Rs 2 lakhs

Death Benefit (Accidental Death) Rs 2 lakhs Rs 2 lakhs

Disability of both eyes bothhands both legs or one eye andone limb

Rs 2 lakhs Nil

Disability of one eye or one limb Rs 1 lakh Nil

Maximum Insurance cover Rs 2 lakhs Rs2 lakhs

Risk Period 1st June to 31st May every year 1st June to 31st May every year

Mode of PaymentPremium will be auto debited fromaccount in the month of May everyyear

Premium will be auto debited fromaccount in the month of May everyyear

List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)amp Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Those who have bank account with banks like ICICI Bank HDFC Bank have got SMS

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annualpremium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobile numberPremium amount will be debited from Your HDFC Bank Savings Account For T amp C amp other detailsclick here

Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector A pension providespeople with a monthly income when they are no longer earning A Subscriber receives pension based onaccumulated contribution out of his current incomeUnder the Atal Pension Yojna Scheme (APY) thesubscribers under the age of 40 would receive the fixed monthly pension of Rs 1000 to Rs 5000 at the ageof 60 years depending on their contributionsTo make the the pension scheme more attractive government would co-contribute 50 per cent of asubscriberrsquos contribution or Rs 1000 per annum whichever is lower to each eligible subscriberaccount for a period of of 5 years from 2015-16 to 2019-20 The benefit of governmentrsquos co-contributioncan be availed by those who subscribe to the scheme before December 31 2015 We have covered the scheme in detail in our article Atal Pension YojnaOfficial Details of Atal Pension Yojnaincluding form are now available athttpfinancialservicesgovinAPYasp

Eligibility for APY Atal Pension Yojana (APY) is open to all bank account holders who are not members ofany statutory social security scheme

Age of joining and contribution period The minimum age of joining APY is 18 years and maximum age is40 years One needs to contribute till one attains 60 years of age

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

Number of Policy One Policy Per Person One Policy Per Person

When to Join the Scheme Any time Any time

Sum Assured (Fixed) Rs 2 lakhs Rs 2 lakhs

Premium Rs 12 per annum Rs 330 per annum

Cover stops at age At the age of 70 years At the age of 55 years

Maturity Benefit Nil Nil

Death Benefit (Natural Death) Nil Rs 2 lakhs

Death Benefit (Accidental Death) Rs 2 lakhs Rs 2 lakhs

Disability of both eyes bothhands both legs or one eye andone limb

Rs 2 lakhs Nil

Disability of one eye or one limb Rs 1 lakh Nil

Maximum Insurance cover Rs 2 lakhs Rs2 lakhs

Risk Period 1st June to 31st May every year 1st June to 31st May every year

Mode of PaymentPremium will be auto debited fromaccount in the month of May everyyear

Premium will be auto debited fromaccount in the month of May everyyear

List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)amp Pradhan Mantri Suraksha Bima Yojana (PMSBY)

Those who have bank account with banks like ICICI Bank HDFC Bank have got SMS

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annualpremium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobile numberPremium amount will be debited from Your HDFC Bank Savings Account For T amp C amp other detailsclick here

Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector A pension providespeople with a monthly income when they are no longer earning A Subscriber receives pension based onaccumulated contribution out of his current incomeUnder the Atal Pension Yojna Scheme (APY) thesubscribers under the age of 40 would receive the fixed monthly pension of Rs 1000 to Rs 5000 at the ageof 60 years depending on their contributionsTo make the the pension scheme more attractive government would co-contribute 50 per cent of asubscriberrsquos contribution or Rs 1000 per annum whichever is lower to each eligible subscriberaccount for a period of of 5 years from 2015-16 to 2019-20 The benefit of governmentrsquos co-contributioncan be availed by those who subscribe to the scheme before December 31 2015 We have covered the scheme in detail in our article Atal Pension YojnaOfficial Details of Atal Pension Yojnaincluding form are now available athttpfinancialservicesgovinAPYasp

Eligibility for APY Atal Pension Yojana (APY) is open to all bank account holders who are not members ofany statutory social security scheme

Age of joining and contribution period The minimum age of joining APY is 18 years and maximum age is40 years One needs to contribute till one attains 60 years of age

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

5 of 75 170515 1112 AM

Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

Enrolment agencies All Points of Presence (Service Providers) and Aggregators under SwavalambanScheme would enrol subscribers through setup of National Pension System

The Table of contribution levels fixed monthly pension to subscribers and his spouse and return of corpus tonominees of subscribers and the contribution period is given below

if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

If he joins at the age of 18 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs 210if he joins at the age of 40 years to get a fixed monthly pension of Rs 1000 per month the subscriberhas to contribute on monthly basis Rs 291 and for Rs 5000 pension he has to contribute Rs 1454

Age ofJoining

Years ofContribution

IndicativeMonthlyContributionfor MonthlyPension ofRs 1000and Corpusof Rs 17Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs2000andCorpus of Rs 34Lakh(in Rs)

IndicativeMonthlyContributionfor MonthlyPension of Rs3000 and andCorpus ofRs 51 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs4000 andCorpus ofRs 68 Lakh(inRs)

IndicativeMonthlyContributionfor MonthlyPension of Rs5000 andCorpus of Rs 85Lakh(in Rs)

18 42 42 84 126 168 21020 40 50 100 150 198 248

25 35 76 151 226 301 37630 30 116 231 347 462 577

35 25 181 362 543 722 90240 20 291 582 873 1164 1454

Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY) will replace the previous governmentrsquos Swavalamban Yojana NPS Lite whichdid not find much acceptance among people The existing subscribers of Swavalamban Scheme would beautomatically migrated to APY unless they opt out It is Government of India Scheme which is administeredby the Pension Fund Regulatory and Development Authority The Institutional Architecture of NPS would beutilised to enrol subscribers under APYOur article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPSLite Quoting from it Swavalamban scheme or the NPS Lite is the extension of the variant available to the governmentemployees The government contributes Rs 1000 per year to the pension account in NPS Lite makingpension possible for the economically-disadvantaged Under the scheme Govt will contribute Rs1000 peryear to each NPS account opened in the year 2010-11 and for the next three years that is 2011-12 2012-13and 2013-14 As a special case and in recognition of their faith in the NPS all NPS accounts opened in2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteriaprescribed under these guidelines

How to open Atal Pension Yojna Account

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

6 of 75 170515 1112 AM

One has to Contact Bank branches under core banking platform and fill in the Atal Pension Yojana subscriberregistration form in English (pdf) or Hindi(pdf)If one has a Bank Account

Submit the APY FormProvide Aadhaar No and Mobile NumberDeposit the initial contribution according to the type of pension opted

If one does not have a Bank Account

Provide KYC Documents and open a Bank account by providing KYC document and AadhaarSubmit a signed APY proposal form

Itrsquos Mandatory to provide

Savings Bank account details mobile number and authorization letter to the bank for the monthly autodebit option for remittance of contribution bullSpouseNominee details in APY form

Charges for not paying Monthly Contributions

In Atal Pension Yojna monthly contribution would automatically be deducted from Subscriberrsquos bankaccount Subscriber should ensure that the Bank account to be funded enough for auto debit of contributionamount If there is delay in contributions then Bank would levy penalty The fixed amount of interestpenaltywill remain as part of the pension corpus of the subscriber

Rs 1 per month for contribution upto Rs 100 per monthRs 2 per month for contribution upto Rs 101 to 500 per monthRs 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per month

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Exiting from Atal Pension Yojna

On attaining the age of 60 years The exit from APY is permitted at the age with 100 annuitisation ofpension wealth On exit pension would be available to the subscriber In case of death of subscriber pension would be available to the spouse and on the death of both ofthem (subscriber and spouse) the pension corpus would be returned to his nomineeExit Before the age of 60 Years Exit before 60 years of age is not permitted however it is permittedonly in exceptional circumstances ie in the event of the death of beneficiary or terminal disease

Official FAQ on Atal Pension Yojna in English HindiWe have covered the scheme in detail in our article Atal Pension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

7 of 75 170515 1112 AM

Pradhan Mantri Atal Pension Yojna

Forms are available in BanglaEnglish GujaratiHindiKannadaMarathiOdiaTamil and Telugu whichcan be downloaded fromwwwjansurakshagovinformsaspxRelated Articles

Saving For Retirement Pension PlansNPSEPFPPFChecklist for buying Life Insurance PolicyDiscontinue Life Insurance Policy SurrenderPaid UpLoan

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

8 of 75 170515 1112 AM

Tweet 20 12 264LikeLike

InvestingThink about LiquiditySafetyReturnsRiskTaxWhat is ULIP or Unit Linked Insurance Plan

These insurance schemes intentions are well but how they would be executed and how would be the response only time will tell What do you think of these insurance schemes How have you planned for yourretirement Do you have insurance and pension plan

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12 To

subscribe SMS PMSBY Y to 5676712 from your registered mobile number Premium amount will be debited from Your HDFC Bank

Savings Account For T amp C amp other details click

budget FM Insurance Pension plan

371 Responses to Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension Yojna

Thakur Gopal S Dolia saysMay 16 2015 at 1101 PM

Question1Can take all 3 scheme

2is there also any quota for SC ST amp OBC

Reply

1

Amol Wadkar saysMay 16 2015 at 635 PM

Great Work PM keep on the good work We are with you Guys as suggested by Modiji plz get yourdriver and maid enroll for the scheme

Reply

dinesh das saysMay 16 2015 at 1157 PM

I have already enrolled all my 3 maid workers in all the three scheme

Reply

2

Aviva i-Life Term PlanGet Avivas Online Insurance Plan Really QuickEasyamp AffordableBuy

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

9 of 75 170515 1112 AM

abrar husen saysMay 16 2015 at 532 PM

sirmere mind me ek yojna hai agarapko sahi lagehar garib kutumbh me ek sarkari servant hokisi parivar me sare hi sarvice pe hai to kahikoi nahi bus ek kutumbh ek noukarikheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa margnahi Apnana padegajobhi ladka sarvice par hoga usko payment ka 5 rakkam ma- bap ko denihogiisse 25 garibi kam ho jayengiaur hamare desh ka vikas hoga

Reply

3

Sayali Bhagat saysMay 16 2015 at 434 PM

Sir muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2lakh milenga nominee ko agar natural death hui to premium ka amount nominee ko kuch nahi milengakya aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko purapremium milenga aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya plsclrify my this issues

Reply

4

Bipul das saysMay 16 2015 at 232 PM

ldquopradhan mantri jeevan jyoti schemerdquo me kitna saal 330- varna parega

Reply

Bhaskar saysMay 16 2015 at 321 PM

Untill your death

Reply

5

BManickavasagam saysMay 16 2015 at 113 PM

Itrsquos a very good scheme for all Indians and it is very help full for poverty people Thanks Modi Gee

Reply

6

om Prakash singh saysMay 16 2015 at 1255 PM

Dear Sir

these schemes are too good for all and me

Reply

7

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

10 of 75 170515 1112 AM

dhananjaya kar saysMay 16 2015 at 1243 PM

SirThank you for giving us such a oppertunity which helps us in our old age as well as to our familymembers thank you again

Reply

8

Nagu saysMay 16 2015 at 1207 PM

Great efforts by the Govt of India

at present i am 42 years old and this scheme is only for 18-40 yrs May i request on behalf of all Indianswho are more than 40 yrs to increase the age limit to take this scheme There would be no problem topay even extra monthly premium There are so many persons who would be benefited under thisscheme Kindly do the needful if possible in this scheme

Reply

9

Suresh Kumar Thakur saysMay 16 2015 at 1149 AM

Great efforts by the Govt of India Its a result of Prime Ministerrsquos vision I would like to take all thepolicies for safe and saved future of my family

I am working in NGO sector and have a provision of very small pension (may be 10002000- permonth) after the retirement Can i take this scheme

Another obstacle that is at present i am 42 years old and this scheme is only for 18-40 yrs May irequest on behalf of my other colleagues who are more than 40 yrs to increase the age limit to take thisscheme There would be no problem to pay even extra monthly premium There are so many personswho would be benefited under this scheme Kindly do the needful if possible in this scheme

Reply

10

sunil rajput saysMay 16 2015 at 1025 AM

Dear sir

this is great policy for indian poor people and narender modi is great prime minister in india

RegardsSunil Rajput

Reply

11

Ankush saysMay 15 2015 at 727 PM

12

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

11 of 75 170515 1112 AM

Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

16

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

12 of 75 170515 1112 AM

ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

13 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

14 of 75 170515 1112 AM

May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

15 of 75 170515 1112 AM

Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

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17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

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19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Pradhan Mantri Atal Pension Yojna

Forms are available in BanglaEnglish GujaratiHindiKannadaMarathiOdiaTamil and Telugu whichcan be downloaded fromwwwjansurakshagovinformsaspxRelated Articles

Saving For Retirement Pension PlansNPSEPFPPFChecklist for buying Life Insurance PolicyDiscontinue Life Insurance Policy SurrenderPaid UpLoan

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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InvestingThink about LiquiditySafetyReturnsRiskTaxWhat is ULIP or Unit Linked Insurance Plan

These insurance schemes intentions are well but how they would be executed and how would be the response only time will tell What do you think of these insurance schemes How have you planned for yourretirement Do you have insurance and pension plan

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12 To

subscribe SMS PMSBY Y to 5676712 from your registered mobile number Premium amount will be debited from Your HDFC Bank

Savings Account For T amp C amp other details click

budget FM Insurance Pension plan

371 Responses to Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension Yojna

Thakur Gopal S Dolia saysMay 16 2015 at 1101 PM

Question1Can take all 3 scheme

2is there also any quota for SC ST amp OBC

Reply

1

Amol Wadkar saysMay 16 2015 at 635 PM

Great Work PM keep on the good work We are with you Guys as suggested by Modiji plz get yourdriver and maid enroll for the scheme

Reply

dinesh das saysMay 16 2015 at 1157 PM

I have already enrolled all my 3 maid workers in all the three scheme

Reply

2

Aviva i-Life Term PlanGet Avivas Online Insurance Plan Really QuickEasyamp AffordableBuy

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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abrar husen saysMay 16 2015 at 532 PM

sirmere mind me ek yojna hai agarapko sahi lagehar garib kutumbh me ek sarkari servant hokisi parivar me sare hi sarvice pe hai to kahikoi nahi bus ek kutumbh ek noukarikheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa margnahi Apnana padegajobhi ladka sarvice par hoga usko payment ka 5 rakkam ma- bap ko denihogiisse 25 garibi kam ho jayengiaur hamare desh ka vikas hoga

Reply

3

Sayali Bhagat saysMay 16 2015 at 434 PM

Sir muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2lakh milenga nominee ko agar natural death hui to premium ka amount nominee ko kuch nahi milengakya aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko purapremium milenga aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya plsclrify my this issues

Reply

4

Bipul das saysMay 16 2015 at 232 PM

ldquopradhan mantri jeevan jyoti schemerdquo me kitna saal 330- varna parega

Reply

Bhaskar saysMay 16 2015 at 321 PM

Untill your death

Reply

5

BManickavasagam saysMay 16 2015 at 113 PM

Itrsquos a very good scheme for all Indians and it is very help full for poverty people Thanks Modi Gee

Reply

6

om Prakash singh saysMay 16 2015 at 1255 PM

Dear Sir

these schemes are too good for all and me

Reply

7

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dhananjaya kar saysMay 16 2015 at 1243 PM

SirThank you for giving us such a oppertunity which helps us in our old age as well as to our familymembers thank you again

Reply

8

Nagu saysMay 16 2015 at 1207 PM

Great efforts by the Govt of India

at present i am 42 years old and this scheme is only for 18-40 yrs May i request on behalf of all Indianswho are more than 40 yrs to increase the age limit to take this scheme There would be no problem topay even extra monthly premium There are so many persons who would be benefited under thisscheme Kindly do the needful if possible in this scheme

Reply

9

Suresh Kumar Thakur saysMay 16 2015 at 1149 AM

Great efforts by the Govt of India Its a result of Prime Ministerrsquos vision I would like to take all thepolicies for safe and saved future of my family

I am working in NGO sector and have a provision of very small pension (may be 10002000- permonth) after the retirement Can i take this scheme

Another obstacle that is at present i am 42 years old and this scheme is only for 18-40 yrs May irequest on behalf of my other colleagues who are more than 40 yrs to increase the age limit to take thisscheme There would be no problem to pay even extra monthly premium There are so many personswho would be benefited under this scheme Kindly do the needful if possible in this scheme

Reply

10

sunil rajput saysMay 16 2015 at 1025 AM

Dear sir

this is great policy for indian poor people and narender modi is great prime minister in india

RegardsSunil Rajput

Reply

11

Ankush saysMay 15 2015 at 727 PM

12

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

16

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

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AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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InvestingThink about LiquiditySafetyReturnsRiskTaxWhat is ULIP or Unit Linked Insurance Plan

These insurance schemes intentions are well but how they would be executed and how would be the response only time will tell What do you think of these insurance schemes How have you planned for yourretirement Do you have insurance and pension plan

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12 To

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371 Responses to Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension Yojna

Thakur Gopal S Dolia saysMay 16 2015 at 1101 PM

Question1Can take all 3 scheme

2is there also any quota for SC ST amp OBC

Reply

1

Amol Wadkar saysMay 16 2015 at 635 PM

Great Work PM keep on the good work We are with you Guys as suggested by Modiji plz get yourdriver and maid enroll for the scheme

Reply

dinesh das saysMay 16 2015 at 1157 PM

I have already enrolled all my 3 maid workers in all the three scheme

Reply

2

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abrar husen saysMay 16 2015 at 532 PM

sirmere mind me ek yojna hai agarapko sahi lagehar garib kutumbh me ek sarkari servant hokisi parivar me sare hi sarvice pe hai to kahikoi nahi bus ek kutumbh ek noukarikheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa margnahi Apnana padegajobhi ladka sarvice par hoga usko payment ka 5 rakkam ma- bap ko denihogiisse 25 garibi kam ho jayengiaur hamare desh ka vikas hoga

Reply

3

Sayali Bhagat saysMay 16 2015 at 434 PM

Sir muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2lakh milenga nominee ko agar natural death hui to premium ka amount nominee ko kuch nahi milengakya aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko purapremium milenga aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya plsclrify my this issues

Reply

4

Bipul das saysMay 16 2015 at 232 PM

ldquopradhan mantri jeevan jyoti schemerdquo me kitna saal 330- varna parega

Reply

Bhaskar saysMay 16 2015 at 321 PM

Untill your death

Reply

5

BManickavasagam saysMay 16 2015 at 113 PM

Itrsquos a very good scheme for all Indians and it is very help full for poverty people Thanks Modi Gee

Reply

6

om Prakash singh saysMay 16 2015 at 1255 PM

Dear Sir

these schemes are too good for all and me

Reply

7

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dhananjaya kar saysMay 16 2015 at 1243 PM

SirThank you for giving us such a oppertunity which helps us in our old age as well as to our familymembers thank you again

Reply

8

Nagu saysMay 16 2015 at 1207 PM

Great efforts by the Govt of India

at present i am 42 years old and this scheme is only for 18-40 yrs May i request on behalf of all Indianswho are more than 40 yrs to increase the age limit to take this scheme There would be no problem topay even extra monthly premium There are so many persons who would be benefited under thisscheme Kindly do the needful if possible in this scheme

Reply

9

Suresh Kumar Thakur saysMay 16 2015 at 1149 AM

Great efforts by the Govt of India Its a result of Prime Ministerrsquos vision I would like to take all thepolicies for safe and saved future of my family

I am working in NGO sector and have a provision of very small pension (may be 10002000- permonth) after the retirement Can i take this scheme

Another obstacle that is at present i am 42 years old and this scheme is only for 18-40 yrs May irequest on behalf of my other colleagues who are more than 40 yrs to increase the age limit to take thisscheme There would be no problem to pay even extra monthly premium There are so many personswho would be benefited under this scheme Kindly do the needful if possible in this scheme

Reply

10

sunil rajput saysMay 16 2015 at 1025 AM

Dear sir

this is great policy for indian poor people and narender modi is great prime minister in india

RegardsSunil Rajput

Reply

11

Ankush saysMay 15 2015 at 727 PM

12

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Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

16

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

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in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

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pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

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17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

abrar husen saysMay 16 2015 at 532 PM

sirmere mind me ek yojna hai agarapko sahi lagehar garib kutumbh me ek sarkari servant hokisi parivar me sare hi sarvice pe hai to kahikoi nahi bus ek kutumbh ek noukarikheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa margnahi Apnana padegajobhi ladka sarvice par hoga usko payment ka 5 rakkam ma- bap ko denihogiisse 25 garibi kam ho jayengiaur hamare desh ka vikas hoga

Reply

3

Sayali Bhagat saysMay 16 2015 at 434 PM

Sir muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2lakh milenga nominee ko agar natural death hui to premium ka amount nominee ko kuch nahi milengakya aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko purapremium milenga aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya plsclrify my this issues

Reply

4

Bipul das saysMay 16 2015 at 232 PM

ldquopradhan mantri jeevan jyoti schemerdquo me kitna saal 330- varna parega

Reply

Bhaskar saysMay 16 2015 at 321 PM

Untill your death

Reply

5

BManickavasagam saysMay 16 2015 at 113 PM

Itrsquos a very good scheme for all Indians and it is very help full for poverty people Thanks Modi Gee

Reply

6

om Prakash singh saysMay 16 2015 at 1255 PM

Dear Sir

these schemes are too good for all and me

Reply

7

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dhananjaya kar saysMay 16 2015 at 1243 PM

SirThank you for giving us such a oppertunity which helps us in our old age as well as to our familymembers thank you again

Reply

8

Nagu saysMay 16 2015 at 1207 PM

Great efforts by the Govt of India

at present i am 42 years old and this scheme is only for 18-40 yrs May i request on behalf of all Indianswho are more than 40 yrs to increase the age limit to take this scheme There would be no problem topay even extra monthly premium There are so many persons who would be benefited under thisscheme Kindly do the needful if possible in this scheme

Reply

9

Suresh Kumar Thakur saysMay 16 2015 at 1149 AM

Great efforts by the Govt of India Its a result of Prime Ministerrsquos vision I would like to take all thepolicies for safe and saved future of my family

I am working in NGO sector and have a provision of very small pension (may be 10002000- permonth) after the retirement Can i take this scheme

Another obstacle that is at present i am 42 years old and this scheme is only for 18-40 yrs May irequest on behalf of my other colleagues who are more than 40 yrs to increase the age limit to take thisscheme There would be no problem to pay even extra monthly premium There are so many personswho would be benefited under this scheme Kindly do the needful if possible in this scheme

Reply

10

sunil rajput saysMay 16 2015 at 1025 AM

Dear sir

this is great policy for indian poor people and narender modi is great prime minister in india

RegardsSunil Rajput

Reply

11

Ankush saysMay 15 2015 at 727 PM

12

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

11 of 75 170515 1112 AM

Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

16

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

13 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

18 of 75 170515 1112 AM

My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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44 of 75 170515 1112 AM

May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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dhananjaya kar saysMay 16 2015 at 1243 PM

SirThank you for giving us such a oppertunity which helps us in our old age as well as to our familymembers thank you again

Reply

8

Nagu saysMay 16 2015 at 1207 PM

Great efforts by the Govt of India

at present i am 42 years old and this scheme is only for 18-40 yrs May i request on behalf of all Indianswho are more than 40 yrs to increase the age limit to take this scheme There would be no problem topay even extra monthly premium There are so many persons who would be benefited under thisscheme Kindly do the needful if possible in this scheme

Reply

9

Suresh Kumar Thakur saysMay 16 2015 at 1149 AM

Great efforts by the Govt of India Its a result of Prime Ministerrsquos vision I would like to take all thepolicies for safe and saved future of my family

I am working in NGO sector and have a provision of very small pension (may be 10002000- permonth) after the retirement Can i take this scheme

Another obstacle that is at present i am 42 years old and this scheme is only for 18-40 yrs May irequest on behalf of my other colleagues who are more than 40 yrs to increase the age limit to take thisscheme There would be no problem to pay even extra monthly premium There are so many personswho would be benefited under this scheme Kindly do the needful if possible in this scheme

Reply

10

sunil rajput saysMay 16 2015 at 1025 AM

Dear sir

this is great policy for indian poor people and narender modi is great prime minister in india

RegardsSunil Rajput

Reply

11

Ankush saysMay 15 2015 at 727 PM

12

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

16

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

13 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Pradhan mantri ji ne bahut hi acha kadam uthaya haiI appreciate For complete details also check httpwwwpradhanmantriyojanain

Reply

chandra mohan pal saysMay 15 2015 at 353 PM

sir i proude of youki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil sesukriya dete hainanonamo

Reply

13

Neha saysMay 15 2015 at 117 PM

I am planning to avail the Atal Pension Yojna plan I got separated from my husband and lives with mysonIs that possible to nominate my son as Nominee without mentioning the spouse name

Reply

bemoneyaware saysMay 16 2015 at 513 AM

Yes MaamIf you look at the APY form then filling Nominee details are mandatory Spouse name isnrsquotBut if your nominee is minor then you do need to provide details of guardian

Reply

14

Vipuni Ruhmai saysMay 15 2015 at 947 AM

Sirwho are not covered by any Statutory Social Security Schemes and are not income tax payers What doyou mean by social statutory security Can one apply to both PMJJBY and PMSBY

Reply

15

Prabhat Sharma saysMay 15 2015 at 1256 AM

I have a doubt i am taken all new yojna with sukanya samrudhi yojna if after 5 years again Congressgovt come to the power then what happened they continue the yojna Or they stop all the yojna ifthey stop then what happened of our deposit amount in sukanya samrudhi yojna

Please clarify me

Reply

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

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13 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

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16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

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Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

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159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

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Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

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rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

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Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

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siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

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Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

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Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

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sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

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rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

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Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

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181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

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Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

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sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

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Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

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Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

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sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

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Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

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Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

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194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

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ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

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Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

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Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

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196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

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Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

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Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

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Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

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Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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ashok saysMay 15 2015 at 106 PM

Forget you Money

Reply

Mayank saysMay 14 2015 at 1113 PM

Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti BimaYojana

Is there any issue in enrolling for both

Reply

Sharath Nair saysMay 15 2015 at 1232 PM

Yes these are two different schemes available You could still join both the schemes

Reply

17

BKr saysMay 14 2015 at 644 PM

Can an individual buy multiple accidental insurance policy say for example one from PMSBY rs 12and others from different service provider but not under social security system

In the event of death can the person claim for all policies ot it will be just one

Reply

dileep saysMay 14 2015 at 1043 PM

all policy because life is having unlimited value

Reply

Sharath Nair saysMay 15 2015 at 1234 PM

It is one person one policy Therefore you canrsquot have two PMJJBY or two PMSBY

Reply

18

Sham prasad saysMay 14 2015 at 1046 AM

I am 32 years oldand want 5000 scheme how much it will cost

19

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

13 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

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25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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75 of 75 170515 1112 AM

in which bank we have to join for this scheme

Reply

ashok saysMay 15 2015 at 107 PM

Any Nationalized Bankhellip

Reply

bemoneyaware saysMay 16 2015 at 529 AM

For 32 years old for 5000 Rs monthly pension the amount is Rs 689 Table for all ages isavailable in our article Atal Pension YojnaYou can join any bank ex public banks like SBICentral bank or private banks like KotakMahindra Bank HDFC Bank ICICI Bank

Reply

Somnath Shenoy saysMay 14 2015 at 923 AM

If Govt changes will this scheme be still continuing

Reply

bemoneyaware saysMay 16 2015 at 455 AM

Usually they do For ex Aadhaar was started by UPA but BJP continues to support itWith kind of interest that these schemes have generated and kind of targets the schemes areexpected to achieve I doubt if any govt would change it

Reply

20

Soumen Shaw saysMay 14 2015 at 849 AM

Hi I am an aspirant of Govt job age of 26+ After starting Atal pension Yojana if I become Govtemployee then will I be eligible for it or can I continue it

Reply

21

ramakant saysMay 13 2015 at 1029 PM

very good scheme

Reply

22

Nareshkumar Rajput says23

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

15 of 75 170515 1112 AM

Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

18 of 75 170515 1112 AM

My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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56 of 75 170515 1112 AM

government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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75 of 75 170515 1112 AM

May 13 2015 at 908 PM

What will happen if someone has enrolled for both the insurance plans ie PMJJY and PMSBY Ifsomeone dies in accident would the nominee get the benefits of both schemes ie 2L for PMJJY and2L for PMSBY = 4L

Reply

Nareshkumar Rajput saysMay 13 2015 at 916 PM

One another thing is what will happen if you close the bank account through which you enrolledfor the schemesWhat in case if the bank gets closed for any reasonCan it be transferred to another bank account

Reply

sarem patel saysMay 14 2015 at 1220 PM

Yes the person will get both benefit becagraveuse these two plans areSeperate plans and the person is paying premium seperately for bothThe plans

Reply

karthik saysMay 15 2015 at 858 PM

hey

i have red all termsampconditions and i got to know from those iswe cant go with two policyrsquos at atimeif in such case both the policyrsquos would be cancelledhellipso people be aware of itdont go forboth the plansgo through throughly the terms ampconditions

Reply

Nareshkumar Rajput saysMay 15 2015 at 1045 PM

Karthikji please can you transcribe the section of that terms and condition here

And do anyone know if we can change the bank account or not

Reply

Milan Kundu saysMay 13 2015 at 837 PM

I have a QuestionIf Someone have 3 different account on different bank then would heshe is applicable for this Schemeor this scheme benefit is applicable for all of his account or any One

24

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 13 2015 at 903 PM

Someone can only apply through one bank account

Reply

girishpagraj saysMay 13 2015 at 652 PM

Dear all

1)Still it not cleared who are illegible for pension scheme since I am private employ and also tax payerin my epf account pension scheme are therehellipstill am I illegible for pension scheme Or it is for onlyspespecified person

Reply

Kirti saysMay 13 2015 at 906 PM

If you are less than 40 years of age then you eligible for Atal Pension Yojna Govt will not becontributing any amount to the accountGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

SP saysMay 14 2015 at 230 PM

Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES

Reply

25

GOVERDHAN RATHORE saysMay 13 2015 at 436 PM

IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NEKAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE

Reply

26

Parvesh Kathuria saysMay 13 2015 at 416 PM

hellocan any one tell me1)in case subcriber dies before 60 does spouse need to deposit further premiums or they will stop and

27

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

16 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

33 of 75 170515 1112 AM

Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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75 of 75 170515 1112 AM

pension starts not clear in conditions2) in case spouse also expires before 60 then what will be the payment amount to nominees

Reply

bemoneyaware saysMay 16 2015 at 506 AM

Hello SirInsurance is for protection and if all premiums are paid the insurance will start if the subscriberdies before paying all the premiumsIf subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOThave to pay any more premium and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years of age) thenominees will get lump sum amount

Reply

Sanjay Chourasia saysMay 13 2015 at 354 PM

can we buy both bima yojana for single person Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana

Reply

anurag saysMay 13 2015 at 427 PM

yes you can buy both I just did with ICICI bank

Reply

28

Navneet saysMay 13 2015 at 251 PM

PM Really did a good job by launching these schemes I really appreciate Read Full athttpwwwpmbimayojanain

Reply

29

honey saysMay 13 2015 at 1222 PM

i am from khammamcan i apply here Hospet (karnataka State )sbi bank

Reply

30

Nishikant Rajeshirke saysMay 13 2015 at 1221 PM

Hi

31

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

17 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

18 of 75 170515 1112 AM

My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

26 of 75 170515 1112 AM

May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

27 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

28 of 75 170515 1112 AM

pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

31 of 75 170515 1112 AM

Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

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Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

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194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

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Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

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Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

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196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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75 of 75 170515 1112 AM

Can some one please help me with answers to below

1 When these policies will actually be available in Private banks like HDFCAxisICICI or theseshould be only with Govt banks2 Can my contribution to APY be increased to get more benefit than 5000- per month instead of 376per year I can contribute more to get more benefit3 Atal Pension forms are still not available in SBI Has anyone enrolled for it

ThanksNishikant

Reply

bemoneyaware saysMay 16 2015 at 503 AM

Sir

1 These policies are available with private banks also Customers of banks like Kotak MahindraBank HDFC Bank ICICI Bank IndusInd Bank and SBI can subscribe to PMJJBY and PMSBYin any of the following manners

Visiting a bank branch nearest to your place filling the Consent-cum Declaration Form ampdepositing in the branch itself Through Netbanking by filling the online form Sending an SMS to the number provided by bank

2No maximum pension that one can avail through APY is 5000 Rs3Yes many people have enrolled in in SBI Please check with your branch

Reply

honey saysMay 13 2015 at 1219 PM

actually i am from khammam can i apply in HOSPET (karanata state) in sbi bank

Reply

bemoneyaware saysMay 16 2015 at 500 AM

Yes you can apply from any bank

Reply

32

ashok saysMay 13 2015 at 920 AM

Dear KirtiIf one has opted for both PMJJBY(330-) and PMSBY(12-)In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBYamount is given if it is only an accidental

33

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

18 of 75 170515 1112 AM

My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

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25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

26 of 75 170515 1112 AM

May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

27 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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73 of 75 170515 1112 AM

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75 of 75 170515 1112 AM

My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not

Reply

bemoneyaware saysMay 16 2015 at 459 AM

Yes Sir if someone dies in an accident the nominee would get Rs 4 lakhs

Reply

ManjunathBPattar saysMay 13 2015 at 829 AM

jana seve madalu agent agabahude

Reply

34

rakesh kadam saysMay 13 2015 at 627 AM

if person got accident he can go any of hospital near by the accidental place and avail the benefits ofthe pradhanmantri suraksha bema yojana

Reply

bemoneyaware saysMay 16 2015 at 509 AM

Sir it is not health or medical insuranceAccident insurance covers followingIf one dies during accidentone gets benefit of Rs 2 lakhsDeath Benefit (Accidental Death)If one loses both eyes both hands both legs or one eye and one limb in accident one gets Rs 2lakhsIf one gets Disability of one eye or one limb one gets Rs 1 lakh

Reply

35

ATUL saysMay 12 2015 at 813 PM

i am tax payer but why apy is not for me

Reply

Kirti saysMay 12 2015 at 937 PM

If you are between 18-40 years you can invest in Atal Pension Yojna As you are income taxpayer Government contribution is not available for youGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for the

36

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

19 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

26 of 75 170515 1112 AM

May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

27 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

28 of 75 170515 1112 AM

pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

31 of 75 170515 1112 AM

Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

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196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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73 of 75 170515 1112 AM

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75 of 75 170515 1112 AM

subscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayers

Reply

Deewan Singh Bisht saysMay 12 2015 at 653 PM

These schemes will secure our future and we must enroll for the same as I did

Reply

37

MANISH saysMay 12 2015 at 619 PM

OPEN RD FOR SAME AMOUNTSAME PERIOD U WILL GET MORE THAN THE PENSIONFROM MATURITY AMOUNT AFTER 60 YRS

Reply

Ganesh Pai D K saysMay 13 2015 at 734 AM

i am sureyou canrsquot continue RD upto endyou will withdraw cashbut in this plan you cant

Reply

38

manju saysMay 12 2015 at 511 PM

thank u honourable Modi ji now all are equal every one can get pension and life security

Reply

39

Ankush saysMay 12 2015 at 353 PM

Dhanyawaad Shrimaan

Reply

40

V Munish saysMay 12 2015 at 209 PM

Can a housewife subscribe for Atal Pension Yojna My age is 41 years and I can not be a part of APYbut my wife is below 40 and housewife Can she subscribe for APY

Reply

Kirti saysMay 12 2015 at 938 PM

41

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

20 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

27 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

31 of 75 170515 1112 AM

Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

32 of 75 170515 1112 AM

May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

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Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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75 of 75 170515 1112 AM

Yes she can To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age andhave a saving bank account

ReplyA step forward hellip | innovatingindia saysMay 12 2015 at 1242 PM

[] started ldquoPradhan Mantri Suraksha Bima Yojanardquo(accident insurance) ldquoPradhan Mantri Jivan JyotiYojanardquo(life insurance) and ldquoAtal Pension []

Reply

42

kumar salian saysMay 12 2015 at 1230 PM

Hi

Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank

Please email to kumarsalian26gmailcom

thankskumar

Reply

Kirti saysMay 12 2015 at 939 PM

Sir what kind of help do you need

Reply

RAJ saysMay 15 2015 at 343 PM

Dear Customer Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for anannual premium of Rs 12 To subscribe SMS PMSBY Y to 5676712 from your registered mobilenumber Premium amount will be debited from Your HDFC Bank Savings Account For T amp C ampother details click httpbitly1PwqQXB

Reply

43

SANJAY saysMay 12 2015 at 1216 PM

AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA

Reply

Upendra Thakur saysMay 12 2015 at 547 PM

44

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

21 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

33 of 75 170515 1112 AM

Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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75 of 75 170515 1112 AM

HiKirti please explain meIn case of policy holder expire before complated 60 years term thenWhat happen of their policy of Atal penssion Yojana

Reply

Kirti saysMay 12 2015 at 941 PM

Sir In case of death of subscriber pension would be available to the spouse and on thedeath of both of them (subscriber and spouse) the pension corpus would be returned to hisnomineeWe have explained such questions in our article Atal Pension Yojna

Reply

SP saysMay 14 2015 at 300 PM

If subscriber of APY dies before the age of 60 years will his spouse still get thepension monthlyeven though the subscriber has not paid the premium upto 60 yearsof age

Reply

SHIV RAM saysMay 14 2015 at 1047 AM

In case of policy holder expire before complated 60 years term then What happen of theirpolicy of Atal penssion Yojana

Reply

bemoneyaware saysMay 16 2015 at 531 AM

SirIf subscriber dies before age of 60 and has paid all the premiums till then his spousewill NOT have to pay any more premiums and will get pensionWhenever the spouse dies (it is not necessary for spouse to die before 60 years ofage) the nominee will get lump sum amount

Reply

sudarshan bhange saysMay 12 2015 at 1155 AM

afftwer joining this yojana i can eligibal for other goverment schem

Reply

45

shyam saysMay 11 2015 at 619 PM

46

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

22 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

23 of 75 170515 1112 AM

Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

27 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

31 of 75 170515 1112 AM

Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

32 of 75 170515 1112 AM

May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

33 of 75 170515 1112 AM

Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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34 of 75 170515 1112 AM

Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

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suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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56 of 75 170515 1112 AM

government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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75 of 75 170515 1112 AM

jab sbi rs 200- me 400000- ka insurance de rahi hi to pm kya de rahe hi

Reply

manish saysMay 12 2015 at 150 PM

you are talking about which scheme

Reply

MANISH saysMay 12 2015 at 621 PM

SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME RS 12 PER 2LAKHS

Reply

Kirti saysMay 12 2015 at 944 PM

SBI overrsquos personal accident insurance forState Bank of India Savings Bank Account holders can get a Personal Accident Insurancecover issued by SBI General of Rs 4 lac just for a nominal annual premium of Rs 200Policy covers death due to accident onlyTwo variants are availablei Cover of Rs 2 lac for an annual premium of Rs 100ii Cover of Rs 4 lac for an annual premium of Rs 200

Reply

Akash Jaiswal saysMay 11 2015 at 419 PM

can I apply for all the 3 schemes together

Reply

Kirti saysMay 11 2015 at 604 PM

If you meet the requirements then YES you can apply for all 3 schemesBut one has to fill separate form for each scheme

Reply

Akash Jaiswal saysMay 11 2015 at 706 PM

thnkxxx Kirti

Reply

47

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

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pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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Raju Choudhary saysMay 11 2015 at 417 PM

Nice information if you want more information for this scheme check httpcaknowledgeinpradhan-mantri-suraksha-bima-yojana-complete-details

Reply

48

Kishan Lal saysMay 11 2015 at 411 PM

Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient aftercontribution So this need to reviewed and need to be linked with insurance plan The age limit shouldalso increased to at least 50 years

Reply

Kirti saysMay 11 2015 at 605 PM

Rightly said It is just a start and targeted towards unorganised sector

Reply

49

Prasad Bhalerao saysMay 11 2015 at 326 PM

ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABSUPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLEWHO CAN INVEST MORE THAT 1454 PER MONTH

Reply

50

US PANDEY saysMay 11 2015 at 313 PM

Now I think the Government led by Honorable PM is really thinking about poor of the Country

Reply

51

VARUN MATHUR saysMay 11 2015 at 306 PM

HELLOI HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTIYOJNA BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY CAN THIS WOULD BERECTIFY OR I CAN CHANGE THE DATE BIRTH9899585594

Reply

US PANDEY saysMay 11 2015 at 316 PM

52

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

24 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

25 of 75 170515 1112 AM

People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

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153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

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Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

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155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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73 of 75 170515 1112 AM

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75 of 75 170515 1112 AM

pl contact your Branch These plans are linked with Aadhaar Number hence I believe thereshould not be any problem to get the things corrected

Reply

VARUN MATHUR saysMay 11 2015 at 347 PM

BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THATNOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTIONRIGHT OR WRONG IN THE POLICY BUT AT THE TIME OF CLAIM I THINK DATEOF BIRTH IS COMPULSORY OF NOMINEE ALSO PLZ TELL ME WHETHER IHAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIREDDURING CLAIM TIME

Reply

Kirti saysMay 11 2015 at 610 PM

Is your nominee a minor In that case only date of birth becomes importantWait for sometime as banks are under pressure to open the account Then checkwith bank again

Reply

VARUN MATHUR saysMay 12 2015 at 943 AM

THANKS KIRTI AS MY NOMINEE IS NOT MINORAND I ALSOCONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATEOF BIRTH IS NOT MANDATORY BUT AT THE TIME OF CLAIMSETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THECORRECT DATE BIRTH SO PLZZhellip

US PANDEY saysMay 11 2015 at 317 PM

You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body)

Reply

VARUN MATHUR saysMay 11 2015 at 343 PM

THANKS hellip

Reply

Ranjan Chakrabarti saysMay 11 2015 at 302 PM

53

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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People who join the scheme before completing 50 years can however continue to have the risk of lifecover up to the age of 55 years subject to payment of premiumRisk cover is till 55 yearsMy question is if I continue the premium after 55 years then risk cover will continue yes or no

Reply

SURAJ BHOPAL saysMay 11 2015 at 259 PM

FIRSTLY -THANKS TO Shriman Narendra ModijiALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME

Reply

54

MANISH MITTAL saysMay 11 2015 at 246 PM

Dear Siras per my view on Pension Yojna its just a money game onlyNo extra amount will received tosubscribers other than 8 Interest

Reply

55

divya chauhan saysMay 11 2015 at 235 PM

ty to modijihelliphellip

Reply

Raghav Gowda saysMay 11 2015 at 347 PM

Dear sir

thanks very mach your sscheme amp all pepole use the benfitshelliphelliphelliphelliphellippradhan mantri suraksha bima yojana please contact your branch for detailshellip

thanksRaghav

Reply

56

Vijai saysMay 11 2015 at 227 PM

Really all schemes are very GOOD and it will be helpful to all the poor people I really Thank You toour Prime Minister ldquoMODI JIrdquohellip

Reply

57

Shashanka Sekhar Roy says58

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

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suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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May 11 2015 at 147 PM

It will help the poor people who were outside of insuranceSo thanks Mr MOdi for doing it

Reply

shyam sunder bais saysMay 11 2015 at 137 PM

I like it

Reply

59

MAHENDRA KUMAR SAHOO saysMay 11 2015 at 1242 PM

I AM PROUD OF OUR PRIME MINISTER

Reply

60

abhinav kumar saysMay 11 2015 at 1235 PM

thanks to Modi ji

Reply

61

NIdhi keshari saysMay 11 2015 at 1047 AM

I like to my dear prime minister and his work

Reply

62

Rahul Dubey saysMay 11 2015 at 955 AM

kisi bhi bank me account open krne ke liye manager itni difficulties create karte haidunia bhar ki batesamjhate hai 20 times daudate haiWhyhellip tab ye sab kase ho payegahelliphelliphelliphelliphellip

Reply

Kirti saysMay 11 2015 at 608 PM

Abhi sab bank managers pressure mein hain bada sa target achieve karna ha Ab bank accountjaldi khul jayega

Reply

suraj saysMay 13 2015 at 436 PM

63

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

28 of 75 170515 1112 AM

pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

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Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

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159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

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Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

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rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

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Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

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siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

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Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

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Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

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sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

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rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

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Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

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181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

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Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

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sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

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Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

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Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

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sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

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Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

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Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

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194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

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ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

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Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

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Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

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196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

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Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

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Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

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Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

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Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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75 of 75 170515 1112 AM

dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega

Reply

ABHAY KUMAR saysMay 11 2015 at 138 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

Reply

64

SANTOSHKUMAR saysMay 10 2015 at 904 PM

Kirthiji now people getting old age pension without paying anything before even i can get pension afteri become 60years so why should i pay now suppose if i pay now to this scheme later can i get bothpensions from bank and government or else onenow iam 32 years old

Reply

65

AMULYA KUMAR MAHARANA saysMay 10 2015 at 758 PM

the plans are realy caring since independence we have been making plans for improvement of ourcountry but we all know where we people stand so let us give thrust to the plans we feel good byinvolving ourselves in the system let us spread the message from door to door and people to people byorganising meetings and creating awareness

Reply

66

pradip acharjya saysMay 10 2015 at 723 PM

Kirti pl tell me the APY scheme applicable for men only Women not eligible for the scheme

Reply

pawan saysMay 11 2015 at 249 PM

It is applicable for all

Reply

67

Jaydeep Prajapati saysMay 10 2015 at 653 PM

Lot of words to say for this plans but now MANY MANY THANKS Mr PRIME MINISTER

Reply

68

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

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suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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pawan saysMay 10 2015 at 400 PM

Thanks MrPrime ministerNow the poor people will have a reason to liveYou are the last resort andhope for the poorWhere were you all these long yearsYou should have come long time back than I amsure there would not have been so much of poor people in the country my own brothers andsistersGod bless all

Reply

69

ravindra arya saysMay 10 2015 at 850 AM

i like every plani thingh many people will intrested in this plan

Reply

Kirti saysMay 10 2015 at 641 PM

Yes Sir you are right

Reply

70

Alex saysMay 10 2015 at 410 AM

One of the terms say ldquoPolicy shall not be issued if nominee details are not provided in SMS availablein SB accountrdquo Does that mean that the nominee details should be present in my bank accounts alsoHow can we simply nominate anyone with just a name without specifying any other details like DOB orrelationshipWhat if I enrol myself from both my bank accounts (SBI amp ICICI)

Reply

Balaram saysMay 10 2015 at 1200 PM

How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication fromtel me

Reply

Kirti saysMay 10 2015 at 646 PM

Sirif you look at the Atal Pension Yojna form at httpwwwjansurakshagovinFilesAPYENGLISHAPPLICATIONFORMpdf you would see that details required for Nominee areName of NomineeAadhaar number of NomineeNominee relation with the subscriberIf Nominee is minor then Date of Birth of Nominee Guradian name

71

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

29 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

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Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

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Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

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159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

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Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

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rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

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Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

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siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

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Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

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Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

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sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

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rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

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Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

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181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

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Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

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sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

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Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

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Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

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sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

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Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

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Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

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194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

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ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

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Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

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Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

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196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

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Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

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Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

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Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

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Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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73 of 75 170515 1112 AM

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Nominee of APY scheme is different from that of Bank Account

Reply

Sushil Tiwari saysMay 10 2015 at 100 AM

Ye to suruaat hai mere dost abhi to puri picture baki haiHar Har Mahadev

Reply

vijay kumar pandey saysMay 11 2015 at 1246 PM

Thanks to our Prime Minister for this but we require another Health Surakcha (Medical)

Reply

72

Sudhakar saysMay 9 2015 at 1044 PM

HiPreviously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana I would like to know aboutwhat will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accountstransferred from Swawlaban to Atal pention Yoganaalso I would like to know Is there any francicy and agent ship present in Atal Pention Yojana

Reply

73

Sudhakar saysMay 9 2015 at 1037 PM

HiPreviouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana I ould like to know aboutwhat will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accountstransfered from Swawlaban to Atal pention YoganaIs there any francicy and agent ship present in Atal Pention Yojana

Reply

74

ASHOK GHOSHAL saysMay 9 2015 at 1004 PM

ACCHEY DIN AA GAYE HAIN

Reply

75

p k sinha saysMay 9 2015 at 930 PM

76

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

30 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

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varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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75 of 75 170515 1112 AM

till date many people have no adhar card is it mandatory to provide adhar card number to join in threeschemes

Reply

Kirti saysMay 10 2015 at 653 PM

For Atal Pension Yojna Aadhaar number of person opening the account is not required but ofSpouse and Nominee are requiredIn other schemes also Aadhaar number is to be provided if availableBut going forward Aadhaar is becoming important if you want to obtain Passport Fill ITR

Reply

HALPESH J PAREKH saysMay 9 2015 at 900 PM

YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHHCHITING LAGTA HAI

Reply

Kirti saysMay 9 2015 at 941 PM

Aap kaun si scheme ki baat kar rahe hain

Reply

Brahmdeo saysMay 10 2015 at 1211 PM

bhai ye bilkul cleared hai aur isme koi cheting nahi haiaur skim batao me define krta hoon

Reply

77

Raju saysMay 9 2015 at 809 PM

Can a NRI join the APY scheme

Reply

Kirti saysMay 10 2015 at 655 PM

There has been no mention of whether NRI can or cannot join scheme If one has a saving bankaccount in India then one can joinIf you come to know otherwise do let us know

Reply

78

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Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

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May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

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98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Ramesh Kadari saysMay 9 2015 at 724 PM

PM Yoganarsquos schemas are good and benefits to poor people who does not have insurance and pensionsLife time of indian people is now reduced below 60 years if it is possible to get pension by age of 55 Itwill benefits to many people in indiaTo reducing pension age from 60 to 55 and for that increase the premimum So it will be more benefitfor indian people

Reply

79

Dayanand saysMay 9 2015 at 616 PM

This scheme very goodHis scheme information every center provide the local languageI saw morning bank stitched in frame English languagehis not read or asking single personso I request provide local language

Reply

Kirti saysMay 10 2015 at 700 PM

Information about schemes is provided in following languagesAssameeBanglaEnglishGujaratiHindiKannadaMalyalamMarathiOdiaPunjabiTamilTeluguUrdu at httpwwwjansurakshagovinPublicityMaterialaspx

Reply

80

amit anand saysMay 9 2015 at 559 PM

These are the nice schemes launched by our pm Specially for those who are not in good wealthconditionl m very greatfull to our great pm

Reply

81

sethusangurajan saysMay 9 2015 at 503 PM

My age is 25 now according to the pension scheme monthly premium is Rs 376once i reached my age 30 35 40 that time my monthly premium will be same 376 or it will beincreased by 577 902 and 1454

pls let me know

Reply

Mukesh says

82

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

32 of 75 170515 1112 AM

May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

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155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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75 of 75 170515 1112 AM

May 10 2015 at 1206 AM

It would be same

Reply

Krishn saysMay 9 2015 at 444 PM

Hi Sir These two schemes surely are low premium one and benefit lots of people maximum age forAPY should have been made 45-48 years As this is the time majority people become more practicalabout post retirement life and starts planing This is also potentially productive age GOVT SHOULDSERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY Atleast 5 years if not 10 years

Reply

Kirti saysMay 10 2015 at 701 PM

I agree with you Age limit should be till 50 years

Reply

83

Raktim Borah saysMay 9 2015 at 357 PM

Now i m 35 years I understand that I can enroll myself in APY scheme At present i am not a memberof any other social security schemes and therefore I am eligible to receive Government co-contributionas mentioned in the APYBut what will happen if I join any other social security schemes after joining in APY scheme (after 2 or3 years)

Reply

Kirti saysMay 10 2015 at 703 PM

Are you an income tax payerGovernment co-contribution is available for 5 years ie from 2015-16 to 2019-20 for thesubscribers who join the scheme during the period from 1st June 2015 to 31st December 2015and who are not covered by any Statutory Social Security Schemes and are not income taxpayersIf you are eligible for Govt contribution then once you join Govt will stop contributing is myguess

Reply

84

meena kumari saysMay 9 2015 at 344 PM

Is there any scheme for above 50 years

Reply

85

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

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141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

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158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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75 of 75 170515 1112 AM

Kirti saysMay 10 2015 at 706 PM

Not comparable one that we know of

Reply

VISHWAJEET SGUDEKAR saysMay 9 2015 at 313 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaTWO Types OF Bimayojana are very very Best For our Indian public P nsion scheme is extended till the age limit of 50years at the higher rate of investment for 10 years Help to the age group of 41 to 50 years who arereally needed poor persons

Reply

86

Devendra saysMay 9 2015 at 258 PM

thank you very much to Modi sir who issues these policies for someone who needs

Reply

87

Anand Patil saysMay 9 2015 at 248 PM

THANK YOU VERY MUCH MODIJIhellip YOU ARE GREAT

NOW YOU OFFER MEDI-CLAIM POLICY ALSOhellip

Reply

88

Ravi saysMay 9 2015 at 235 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

89

suesh kumar saysMay 9 2015 at 233 PM

what about senior citizens I think it should b up to 70 years

Reply

90

Maruti saysMay 9 2015 at 212 PM

hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

91

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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56 of 75 170515 1112 AM

government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

Ramesh Thangaraj saysMay 9 2015 at 124 PM

Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan

Pros

-gt Covers death by any cause (natural or accidental)

Cons

-gtI have read the document and found the below point

Termination of assurance

The assurance on the life of the member shall terminate onany of the following events and no benefit will become payable there under

1) On attaining age 55 years (age near birth day) subject to annual renewal up tothat date (entry however will not be possible beyond the age of 50 years)

Explanation

Assurance amount 2 lakh will given only if the person dies before end of age 54

So if he dies after attaining 55 age no assurance amount will be given

Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around10560 (32330) So if i die after 54 age no assurance will be paid to my nominee My amount 10560will be safe with LIC

Reply

SURESHSHETTY saysMay 9 2015 at 250 PM

THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSEREFUND IS NIL

Reply

92

Amit Goyal saysMay 9 2015 at 118 PM

I have one question on Atal Pension Scheme in case the nominee dies before both the subscribers thenin that case to whom will the corpus amount will be paid

Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed

ThanksAmit Goyal

93

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Ganesh Pai D K saysMay 10 2015 at 552 PM

Respected Modijiplease also include term insurance premium (for the amount) into monthlypayment to solve

Reply

Kirti saysMay 10 2015 at 631 PM

Sir Rs 330 per annum will be deducted in one instalment There is no monthly payment forit

Reply

Virender saysMay 9 2015 at 1241 PM

Nice scheme But anyone can explain me what happened when someone start the scheme andunfortunately no more Will pension start immediately to his wife or not Suppose what happened nextwhen he will pay only 1 year and so onhelliphelliphelliphelliphelliphelliphelliphellip

Reply

94

Binod Kumar Singh saysMay 9 2015 at 1232 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

95

Varsha saysMay 9 2015 at 1207 PM

Whether the Atal pension yojana is availble for house wives

Reply

Rohit saysMay 9 2015 at 1219 PM

Yes this is available for all who is between 18 to 40 years

Reply

96

Savaliya balu saysMay 9 2015 at 1204 PM

Thank Prime Minister your are really our care taker lot of thanks

97

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

37 of 75 170515 1112 AM

bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

45 of 75 170515 1112 AM

vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

48 of 75 170515 1112 AM

Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

49 of 75 170515 1112 AM

PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

50 of 75 170515 1112 AM

Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

51 of 75 170515 1112 AM

May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

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Recent Comments

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

pratik suthar saysMay 9 2015 at 1039 AM

thankshellip

Reply

98

Vijay saysMay 9 2015 at 1023 AM

All 3 scheems are good Its a good initiative atleast some relief to the people of IndiaAbout the Pension scheeme APY this scheeme also very good based on the returns one person obtainmaximum pension is Rs5000 per month

A 40 year old person when he attain the age of 60 in comming 20 years time What is the value ofRs5000 (after 20 years) I think it is equilant of Rs 500 currently Government should start somethingwhich is really worth amp helps people of India by thinking in mind what would the be future value of Rs5000 in comming years

Reply

99

anp saysMay 9 2015 at 954 AM

All are very good scheme but it is useful for under 60 year what about above 60 year people mainsenior citizen they are should get any benefit scheme

Reply

100

Ajit kumar pattnaik saysMay 9 2015 at 953 AM

Many many thanks modi jihellipItrsquos a very useful plan for old age

Thanks a lot again

Reply

101

Malabika Sarkar saysMay 9 2015 at 940 AM

Both insurance scheme is beneficial for every individual If a separate FAQ section had been attachedwith it the questionnaire would be a ready and simple section for the readers who want to know in moredetails

For example my question is whether an individual can join both insurance scheme ie lsquoPradhanMantri Suraksha Bima Yojanarsquo and lsquoPradhan Mantri Jeevan Jyoti Bima Yojanarsquo In case one opt forthe both will his family be benefited for both the scheme ie will they get 2laks plus 2laks 4 laks

Reply

102

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

45 of 75 170515 1112 AM

vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

50 of 75 170515 1112 AM

Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

51 of 75 170515 1112 AM

May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

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218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

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bharath saysMay 9 2015 at 1053 AM

I have the same question Could not get a proper answer from my bank either Appears like thepolicies are issued as group insurance policies by insurers tied up with your bank For exampleICICI provides these policies via ICICI Lombard and ICICI Pru life

So would that not mean they are individual policies and would be valid individually

Can someone throw some light

Reply

vireesh saysMay 9 2015 at 203 AM

Really care

Reply

sundar saysMay 11 2015 at 640 PM

priminister is collecting money from public if you expire below the age of 54 the amount will berefunded otherwise the amount will be left with pm

Reply

103

Anirban Ghosh saysMay 9 2015 at 117 AM

A big Thank you Dear Mr ModiI would like to request you to instruct the banks to give this valuable information to every accountholders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and PradhanMantri Jeevan Jyoti Bima YojanaI wish I can go and inform as many people I can to go for both the Yojona at least But with out thesupport of educated people this will not cover all the IndiansBut the best plan I have ever seen in my 40 years of lifeThese are the best for every IndianThank you again

Reply

sundar saysMay 11 2015 at 641 PM

you will not get a single penny after 55 years So modi has target on life expectancy rate so hehas fixed for 55 years poor Indians

Reply

104

Suman Kumar says105

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

48 of 75 170515 1112 AM

Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

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198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

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sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

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Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

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211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

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212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

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215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

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218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

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May 8 2015 at 1145 PM

i donrsquot wonrsquot this I ma a software engineer my company already having same kind of insurance like thisso its my humble request to find some thing which is really need for genuine peoplehellip

Reply

bharath saysMay 9 2015 at 1055 AM

dont take it if you dont want There is a cost for any insurance This is the cheapest I have everseen Irsquom a long time software engineer too And Irsquom sure Irsquom going to subscribe to these

Reply

sundar saysMay 11 2015 at 642 PM

first know about this insurance then decide

Reply

Ravindra saysMay 9 2015 at 1236 PM

Hi Think as common man You have enough money to take any kind of insurance but in indaithere are 50 of peoples are in below poority line think about those people First you appropriateour goverment for these youjans I hope you understand POOR people pain

Reply

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister

Reply

106

ann saysMay 8 2015 at 1135 PM

Thanks mr Priminster sahab You are Really Super prime Minister2 Types Bima yojana is very very Best For our Indian public

Reply

107

ann saysMay 8 2015 at 1134 PM

Thanks mr Priminster sahab You are Really Super prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

108

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

40 of 75 170515 1112 AM

So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

45 of 75 170515 1112 AM

vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

48 of 75 170515 1112 AM

Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

50 of 75 170515 1112 AM

Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

51 of 75 170515 1112 AM

May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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Reply

ann saysMay 8 2015 at 1133 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

109

Abhimanyu sahoo saysMay 8 2015 at 1034 PM

Thanks mr Narendra Bhai ModijiYou are Really No 1 prime Minister of IndiaYour 2 Types Bima yojana is very very Best For our Indian public

Reply

sundar saysMay 11 2015 at 643 PM

accidental is benificial other is waste of money

Reply

110

Pankaj saysMay 8 2015 at 845 PM

What does it mean unorganised sector (in reference to pension plan)

Reply

rav saysMay 9 2015 at 1235 AM

private companies do not have pension scheme

Reply

111

Ramkumar Vyas saysMay 8 2015 at 744 PM

Earnings are not at all sufficientfor todayrsquos surviving where from money comes to contribute in PMrsquosinsurance schemes PMrsquos idea is good to get money for nationrsquos development but first he has to dosomething for increasing of earnings of people who are working in small and medium private sectors

Reply

112

MURIGEPPA BANNI saysMay 8 2015 at 653 PM

Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate ofinvestment for 10 years Help to the age group of 41 to 50 years Bring more investment to Govt Ac

113

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

48 of 75 170515 1112 AM

Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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So also Medicare insurance is also important with certain limits and for certain deceases

This is the way to lsquoACHHE-DINrsquo for poor and middle class people

Reply

Subodh Kumar saysMay 8 2015 at 632 PM

Very good scheme for Indianshellip This very helpful to government as well as people

Reply

114

Digambar saysMay 8 2015 at 459 PM

these all the three schemes are very helpful for all Indiansitrsquos my request to all please go for these schemes

Reply

115

Kbkarna saysMay 8 2015 at 430 PM

Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

116

Prakash Jha saysMay 8 2015 at 414 PM

Lots of ThanksDear My Dear Modi SirGod kre ki app 100 year tak hmare bharat maa ki sewa krohelliphelliphellip

Reply

sundar saysMay 11 2015 at 644 PM

jagoooooooooooooooooooooooooooooooooooooo

Reply

117

Sakti Sankar Podder saysMay 8 2015 at 312 PM

Thank you Sir This is very good policyIf this type of mediclaim policy is introduced than it will be a great Favour of our middle class people

118

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

41 of 75 170515 1112 AM

Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

43 of 75 170515 1112 AM

Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

44 of 75 170515 1112 AM

May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

45 of 75 170515 1112 AM

vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

47 of 75 170515 1112 AM

Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

50 of 75 170515 1112 AM

Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

51 of 75 170515 1112 AM

May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

54 of 75 170515 1112 AM

Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

56 of 75 170515 1112 AM

government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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57 of 75 170515 1112 AM

Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

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Reply

Akash Somanath Narayane saysMay 8 2015 at 300 PM

Thank Prime Minister sirAap jo kar rahe he eska sabi aam jantako lab hog helliphellipKinu es yojanak labha vahi lenge jo shahar me he jinke pas mo he

Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiyehelliphellip

Akash narayaneMob 8855924201

Reply

119

Radhakanta Parida saysMay 8 2015 at 300 PM

Thanks our PM MrNarendra Modi ji

Reply

120

Radhakanta Parida saysMay 8 2015 at 258 PM

Thanks Our PM MrNarendra Modi JiApp yadi khane ka saman ko kama deninge to sab se acha hoga sirBest of Luck

Reply

121

navven saysMay 8 2015 at 221 PM

super scheme

Reply

122

Vipin Singh saysMay 8 2015 at 109 PM

can i change the bank account later after joining ldquoPradhan Mantri Suraksha Bima Yojanardquo Please advise

Reply

123

manasa saysMay 8 2015 at 1253 PM

when the age is more than 40 and below 50 cant they join atal pension yojana

124

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Reply

Rajendra saysMay 8 2015 at 1258 PM

Which pnsion scheme for those people who having age of more then 40

Reply

suresh saysMay 8 2015 at 1225 PM

When we will get the sum assured (85 lakhs) if we opt out for 5000 pension plan

Reply

125

HIRALAL saysMay 8 2015 at 1216 PM

some adviser should be appoint for that scheme other so many people literally aware about hole scheme

Reply

126

GOURAV DAS saysMay 8 2015 at 1216 PM

Thank You Mr Narender Damodardas Modi Ji

Reply

Manjunath saysMay 8 2015 at 100 PM

hi iam calling to both toll free no from almost 3 days more than 100 times but no response itsonly voice mssg is coming in that amp I also tried statersquos wise toll nos also itrsquos also telling from 3days gt I Really hv a donrsquot in this for people of india can utilise it

Reply

127

Rajendra saysMay 8 2015 at 1215 PM

hi Kirtican you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJ thenwhich one pansion scheme we can joing who will give us similar benifithellip

Reply

sanjay sharma saysMay 10 2015 at 1235 AM

can you tell us how will joing APJ if our age is more then 40 or advice if will unable to joing APJthen which one pansion scheme we can joing who will give us similar benifithellip

128

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

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152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

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153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

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Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

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155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

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Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

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157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

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Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

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Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

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Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

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Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

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Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

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181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

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Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

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sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

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sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Reply

Kirti saysMay 10 2015 at 436 AM

No Sir you cannot join if your age is more than 40 years

Reply

Kirti saysMay 10 2015 at 647 PM

Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna

Reply

sundar saysMay 11 2015 at 646 PM

he wil not allow because he reduced pension age by 40 otherwise all indians will cover

Reply

HIRALAL saysMay 8 2015 at 1213 PM

Are bhai iska koi adviser hai ya nahi

Reply

129

Antony saysMay 8 2015 at 1055 AM

thank you PM ji

Reply

130

Antony saysMay 8 2015 at 1054 AM

Thank you prime minister Ji

Reply

131

Sanjeet saysMay 8 2015 at 1041 AM

Ye yojna bakwas hai Is se achchha to post office ka MIS(monthly income scheme ka hai Plzcalculate your amount and interest

Reply

132

Pradeep says133

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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May 8 2015 at 954 AM

In case a member is covered under PMJJBY with LIC of India other companythrough more than one account and premium is received by LIC other companyinadvertently insurance cover will be restricted to Rs 2 Lakh and the premiumshall be liable to be forfeited

What do the above clause mean If i have a policy already with LIC am I not eligible for PMJJBY

Reply

Abhi saysMay 8 2015 at 913 PM

This has got to do with one individual applying for multiple PMJJBY policies For example ifyou contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNBso that your nominee gets Rs2L x 2 ie Rs 4L the cover will be restricted to Rs 2L only and thepremium paid with the other bank shall not be returned Reasonable

Reply

bharath saysMay 9 2015 at 1059 AM

you can buy as many insurance policies as you want But under these govt plans all you get is2LK coverage even if you pay via more than one bank So the bottom line ishellip under each ofthese plans you will subscribe to only one policy with only one bank

Reply

Jose fernandes saysMay 8 2015 at 1200 AM

in case of death before 60 who shall pay remaining installments upto the age of 60 yearsPlease advice

Reply

Kirti saysMay 8 2015 at 518 AM

In case of death before 60 years no one needs to pay instalments Spouse will start getting thePension

Reply

134

Shital Gokule saysMay 7 2015 at 1102 PM

Thanks honrable Prime Minister you are really our care taker

Reply

135

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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vinod saysMay 7 2015 at 843 PM

Hi

I am vinod Whose is eligible to take the policy How to take policy and where should I go to take thispolicy We are family of four Can we all take this policy Please reply to my mailvinodpadala86gmailcom

Reply

Kirti saysMay 8 2015 at 608 AM

SirWhich policy are you talking aboutWe donrsquot reply to queries on email Hope you understand

Reply

136

Keerthi saysMay 7 2015 at 748 PM

Judt like that

Reply

AGNIMITRA AMARNATH saysMay 7 2015 at 853 PM

Thankyou for prime minister Good plan please implement more plans it would be helpful

Reply

137

RK MANICHANRA SINGH saysMay 7 2015 at 510 PM

THANK You Prime minister for future generation thinking growth of nation

Reply

138

Ranjan Robert saysMay 7 2015 at 505 PM

(APY) wife and husband both can have this policy

Reply

139

BIMAL SINGH saysMay 7 2015 at 458 PM

thanks mr narendra modi je

140

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

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155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

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156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

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Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

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157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

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Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

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Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

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159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

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160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

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siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

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Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

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Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

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Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

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167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

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R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

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Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

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Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

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Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

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171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

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surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

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Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

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181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

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182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

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183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

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Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

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RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

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186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

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Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

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sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

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Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

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sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

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Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

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sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

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189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

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190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

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Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

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194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

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200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

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204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

satish singh saysMay 7 2015 at 423 PM

very very thanks our prime minister mr Narendra modi

Reply

141

Anupam Mitra saysMay 7 2015 at 416 PM

My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojnaHopefully you can provide some solution to the problem

RegardsAnupam MitraKolkata

Reply

142

gajanand odd saysMay 7 2015 at 402 PM

i am very happy for atal pension yojna

Reply

143

Amarjeet saysMay 7 2015 at 242 PM

Very Fine

Reply

144

BHARAT RAI DAMOH MP saysMay 7 2015 at 231 PM

sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar atigharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi

Reply

145

MAHESH saysMay 7 2015 at 101 PM

DEAR SIR

MERA SAWAAL YE HAI KhellipAGAR SATTA SARKAR CHANGE HOTI HAI TO KYA ISS JAISIKISI BHI SCHEME ME KUUTCHH KOI BHI CHANGE HOGA KYAhellip

HAAAA K NAAAAAhellip

146

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

149

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Reply

varun saysMay 7 2015 at 1052 PM

naaaahellip govt change se is par koi fark nahi padega

Reply

Varun saysMay 8 2015 at 1048 AM

No change will happen anyway this scheme was planned my UPA-2 government and wasscheduled to roll out in 2014

Reply

jitu pawar saysMay 7 2015 at 1254 PM

हमार धान मिजन सकया जीवन वमा योजना नकला ह hellipय हमार लए बहत बड़ी बात ह hellipलकन

इसक साथ लको क लए भी होना चाहए था hellip आज शा का दर कहास कहा जा रहा ह और उसम य

महगाई सर उपर नह करन द रह ह मज एक लड़का और एक लड़क ह सर म बहत ह गरब आदमी ह और

मर जस बहत सार आदमी हग क उनको लड़क ह और ओभी चाहत हग क लकोक लएभी होना चाहय

helliphelliphellipय मरा सवाल धान मी जी स ह और आशा करता ह क लडको क लए भी य बमा लाग हो

helliphelliphelliphelliphelliphelliphellip थायवाद

Reply

147

anil kumar saysMay 7 2015 at 1232 PM

Dear sir

What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because bothseen same but premium is different

Reply

148

Arvin saysMay 7 2015 at 1150 AM

Good Initiative But what will happen to all these schemes if the govt changes in next 4 yrs

Reply

sundar saysMay 11 2015 at 647 PM

trashhhhhhhhhh

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arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

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153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

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155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

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Kirti says

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

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Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

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163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

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Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

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166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

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169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

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176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

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abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

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178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

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rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

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Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

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180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

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sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Reply

arsubramanianb sCACAACS saysMay 7 2015 at 1123 AM

i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVEREDFOR INWSURANCE AND HAVE DECENT INCOMEScAN i BUY THE ACCIDENT AND ALSOTHE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACSOR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVERrULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FORMANY URBAN DWELLERS pLEASE CLARIFY ARSMURUGANARULG MAILCOM

Reply

150

Shib Shankar Bhunia saysMay 7 2015 at 1123 AM

Thank Prime Minister your are really our care taker

Reply

151

ABHIJIT SARKAR saysMay 7 2015 at 1114 AM

if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFhellipwill heget the pension after completion of 60yrs of his age

Reply

152

Harikrishnasairaj k saysMay 7 2015 at 947 AM

Pension is ok but what about the principle amount paid by the peopleFinally who will get it When they will get it

Reply

153

siva kumari saysMay 7 2015 at 908 AM

sirhellip my date of birth is 28-4-1975 am i elegible to take APY If lsquoyesrsquo to get a pension of 3000 permonth how much i have to pay annually or monthly i am a house wife and do not have any pensionschemes

Reply

Pradeep saysMay 9 2015 at 318 PM

After reading the policy document It says that people above 40yrs are not eligibile for thisschemehellip

Reply

154

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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57 of 75 170515 1112 AM

Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

179

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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PIPENDRA BHARTI saysMay 6 2015 at 545 PM

Thank prime minister and all poor man your help

Reply

155

asad jamal saysMay 6 2015 at 503 PM

Sir jee I liked your page first of all amp Thanks to our pm for launching jeevan jyoti bima amp surakshabima yojnaI want to know that I pay tax so can I avail these two schemesAnd if I go for life time autodebit from my bank for both of these schemes then can I change my nominee later after few yes due toany circumstances

Reply

Kirti saysMay 7 2015 at 557 AM

Yes Sir Nominee can be changed anytimeThe details of the scheme would be available soon and then it would be clear who can join thescheme Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be anyrestrictions

Reply

156

Prashant saysMay 6 2015 at 449 PM

My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna I ask from allinsurance co amp they denied to make insurance Is it cover under it

Reply

Kirti saysMay 7 2015 at 559 AM

SirSorry to hear about your wife Our best wishes are with youInsurance company will not provide insurance as she has been diagnosed The details of the scheme would be available soon and then it would be clear who can join thescheme

Reply

157

Sahil Mahajan saysMay 6 2015 at 353 PM

For queries call at 9555610478

Reply

158

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

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Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

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165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

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chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

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172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

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Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

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174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

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175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

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185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

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sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

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192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

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199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

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201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

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203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

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Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

Reply

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Kirti saysMay 7 2015 at 601 AM

Bemoneyaware does not recommend or support any numberscontact left as comments Pleasedo so at your own risk

Reply

Sweta saysMay 6 2015 at 249 PM

Please clarify that a person who is having taxable income can also get himself enrolled under thisscheme

Reply

Kirti saysMay 7 2015 at 559 AM

Currently for jeevan jyoti bima amp suraksha bima yojna there donrsquot seem to be any restrictionsBut details of scheme will be out soon

Reply

159

yogita saysMay 6 2015 at 148 PM

Hello Thank you very much Pradhan Mantiriji Apne aam janata ke liye ye suvidha suru ki he Mainjanan chahti hu APY ke bare me Agar 60 saal ke pehle koi gujar jata hai to us ke patipatni ko turantpension chalu ho sakti hai kya

please reply mehelliphelliphelliphellip

Reply

Kirti saysMay 7 2015 at 602 AM

Jee haan Agar 60 saal se pehly koi gujjar jaye to uske patipatni ko pension milegi

Reply

160

Abhishek Das saysMay 6 2015 at 1206 PM

Hi Kirti

I am working in a MNC company under EPF scheme Am i eligible for Atal pension scheme

Reply

Kirti says

161

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May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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75 of 75 170515 1112 AM

May 7 2015 at 600 AM

Sorry Sir you wonrsquot be eligible for the scheme

Reply

Kirupa Vasanthan saysMay 10 2015 at 749 PM

Any Citizen of India can join APY scheme The following are the eligibility criteriai The age of the subscriber should be between 18 ndash 40 yearsii He She should have a savings bank account open a savings bank accountiii The prospective applicant should be in possession of mobile number and itsdetails are to be furnished to the bank during registration

Only Government co-contribution will not be available for the tax payers or having anysocial security schemes

Reply

rahul saysMay 6 2015 at 1014 AM

Hellocan you tell me after 60 year i will get 5000pm till how many yeartill my deathhelliphellip

And if i exit before 60 then who will get pension

Reply

Bhavani Shankar saysMay 6 2015 at 1248 PM

if you want to get 5000- PM as Pension need to pay the pension contribution according to yourAge of enrol into this scheme by following the NPS Table mentioned in APY

You will get the Pension till your death after 60 years of your AgeMoreover you cannot leave from the pension scheme before Age of 60yr If do so

Discontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closed

Hope your queries get clarified

Reply

Kirti saysMay 7 2015 at 618 AM

Thanks for the reply

162

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

179

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

Pradeep saysMay 9 2015 at 321 PM

To add to the above ur spouse will continue to get the pension after your death and once uboth are no more the corpus amount of approx 85 lakhs will be given to your nominee

Reply

siva saysMay 6 2015 at 1009 AM

does any income tax saver benefits are there with these schemes

Reply

Kirti saysMay 7 2015 at 606 AM

None have been announced so farWaiting for more details

Reply

163

Sanjib Ray saysMay 6 2015 at 224 AM

There is a pension scheme i dont know the name it is probably Atal pension yajona where pensionerwill get the pension after attaining the age of 60 but i think it will not attract any people because aservice man is not going to opt this scheme nor a businessman they have other better option But it isalso not profitable to poor where labourer farmer or any other low income hard working professionBecause

1 People of profession like labourer farmer etc find it difficult to work at the age of 45-50 then howcan they work till the age of 60 and contribute to their pension scheme when they dont have the moneyto eat their dinner

2 A people on average live 60 to 65 years Then why they will provide their income every month to geta pension of rs1000 per month Rs 100 is lot to some people

3 There is a confusion about payment figure If someone young now opt for the pension scheme andwill heshe get the pension of rs 1000 or 5000 whatever the scheme heshe is opting for Rs 2000 maybe the pocket money of a son of a labourer after 50 years

Modi government is really doing some great things for people but i think they should think about thescheme once more I know there are lots of experienced brain working behind those policy making butthey may be thinking like some experienced brained people who thinks that people( may be familiesnot sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but itsaround 25)

Reply

Kirti says

164

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

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Reply

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Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 7 2015 at 608 AM

You have raised good questionsGovt tried NPS Swavalamban Pension scheme but did not get good responseOnly time will tell how people respond to this scheme

Reply

Anands saysMay 11 2015 at 246 PM

Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wathappened apy scheme please give me answer

Anands

Reply

Supriya saysMay 5 2015 at 820 PM

HiI am already having Swavalamban Pension schemeDoes it automatically converted in to APY Shouldi contribute monthly or yearly

Reply

165

sunil Sharma saysMay 5 2015 at 539 PM

Thank You Pradhan Mantri JiBeema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai VarnaSare Neta Ji Pahale Apne Bare Mai Sochte Hai Thank You Once Again

Reply

166

Murli Dhar Sharma saysMay 5 2015 at 506 PM

sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and yepolicy kon dega

Reply

chand saysMay 6 2015 at 756 AM

ese wala policy sapne me sochna nhihellip

Reply

167

Raja saysMay 5 2015 at 344 PM

168

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

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Currently i am not a member in any Pension scheme as i running my own small business So i ameligible to join the Atal Pension Yojana scheme But if i get an employment in the next few years whatwill happen Can i continue in the scheme If not then will i get any money after 60 or can i withdrawthe amount invested till then

Reply

Kirti saysMay 7 2015 at 609 AM

The Atal Pension Yojna is focused on un organised sector Details of scheme are awaited as towho all can enroll Scheme will be launched on 1 June 2015

Reply

R K YADAV saysMay 5 2015 at 231 PM

THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OFINDIA

Reply

169

naresh Chandra saysMay 5 2015 at 156 PM

Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai mera matlab death k badnominee ko pension kab se milni shuru ho jayegi

Reply

Kirti saysMay 7 2015 at 611 AM

Agar kisi ko death ho jaati hain tu unke wifehusband ko pension milege Unki wifehusband kebaad nominee ko lump sump milega

Reply

Ranjit Sengupta saysMay 12 2015 at 337 PM

1 Man lijia ki mai 5-10 years tak paisa de paya or aga koi karon bas nehi de paya or koikaran bos break ho gayahelliptab iss mamle me kya hoga

2 After 65 years ke bad mera koi karan bas death ho gyahellipus samay kya hoga tab tomujhe pension dene to swarglog nehi jaiagahellipiss mamle me please clear kijia

3 kya aki account me husband amp wife dono iss pension yojona kar sakte hai

Reply

Kirti says

170

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

179

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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May 12 2015 at 951 PM

1 What will happen if required or sufficient amount is not maintained in the savingsbank account for contribution on the due date

Non-maintenance of required balance in the savings bank account for contributionon the specified date will be considered as default Banks are required to collectadditional amount for delayed payments such amount will vary from minimum Re 1per month to Rs 10 per month as shown below

Re 1 per month for contribution upto Rs 100 per monthRe 2 per month for contribution upto Rs 101 to 500 per monthRe 5 per month for contribution between Rs 501 to 1000 per monthRs 10 per month for contribution beyond Rs 1001 per monthDiscontinuation of payments of contribution amount shall lead to following

After 6 months account will be frozenAfter 12 months account will be deactivatedAfter 24 months account will be closedSubscriber should ensure that the Bank account to be funded enough for auto debitof contribution amount The fixed amount of interestpenalty will remain as part ofthe pension corpus of the subscriber

2 In case of death of the Subscriber due to any cause In case of death of subscriberpension would be available to the spouse and on the death of both of them(subscriber and spouse) the pension corpus would be returned to his nominee

3 Yes agar unka bank account hai aur woh 18-40 years ke beech hain

Reply

sekhar kar saysMay 5 2015 at 124 PM

I am from West Bengal I am self employed and doing some typing job ampScience Graduate My DOB is 15th January 1970 I would like to joinin ldquoATAL PENSION YOJANArdquo But my age is not permit Why I suffer tonot get such schemes previous government PLEASE DO SOMETHING FOR AGERELAXASION T H A N K S

Reply

171

DILIP PARMAR saysMay 5 2015 at 1248 PM

THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME

Reply

172

shatrughan tiwari saysMay 5 2015 at 1135 AM

pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke

173

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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government na ho to kya ye scheem continu rahe ge ya fir logo ko insurance bhi rashan ki dekano parhi milege

Reply

Aarti kandpal saysMay 5 2015 at 1008 AM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family

Reply

174

LAXMIKANTH DOULTHABAD saysMay 4 2015 at 1016 PM

THANKS TO MODIJI WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOWPOVERTY LINE PEOPLE THESE TWO SCHEMES ARE VERY HELPFULL YE GARIBI HATAOSARKAR NAHIhellipYE GARIBI MITAO SARKAR HAIN THANKS ONCE AGAIN

BHARATH MATHA KI JAIhellipJAI SRI RAM

Reply

175

LDSethi Bhubaneswar (Odisha) saysMay 4 2015 at 817 PM

Thanks to the Hon`ble PM Modiji for the noble idea amp the welfare of Indian family I want oneclarification that I have two different bank account can I opt this scheme for both the accounts or notKindly clarify the same through my mail please

Reply

rajeev suyal saysMay 4 2015 at 1126 PM

No you canrsquot One person can take only one policy Its very simple go to ur bank and just signauto debit declaration form for PMJJBY amp PMSBY

Reply

surendra singh yadav saysMay 4 2015 at 1157 PM

You can apply only in any one ac

Reply

176

Maruti Gurami saysMay 4 2015 at 712 PM

Could you tell me whether state govt employees who are contributing monthly contribution under NPSare eligible for this scheme

177

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Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

179

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

184

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Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

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pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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Reply

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Reply

Kirti saysMay 5 2015 at 613 AM

For Atal Pension Yojna no but for other two schemes it should be possible Still waiting for moreinformation on the schemes

Reply

abi saysMay 4 2015 at 636 PM

can the change in government in future days affect the schemehellipIs it sure the people enrolled in thisschemes get benefit in such condition

Reply

Kirti saysMay 5 2015 at 615 AM

Good question and theoretically it is possibleBut usually party in power avoids reversing such decisions ex Aadhaar which was supported byUPA led govt has now become one of the most important document to have

Reply

178

Shivaraj M A saysMay 4 2015 at 436 PM

Please confirm me whether we get back any amount once we reach 50 or 70 years of age like maturitybenefit

Reply

rajeev suyal saysMay 4 2015 at 1129 PM

No its a term plan u have to renew it every year by paying Rs330- amp Rs12-

Reply

Kirti saysMay 5 2015 at 620 AM

For Atal pension Yojna you contribute till you become 60 years of age Depending on thecontributionyou will get pension till you are aliveyour spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the amount

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60 ie 25years

179

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

184

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

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If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakh

Reply

kamlesh yadav saysMay 4 2015 at 1252 PM

Thanks for scheem

Reply

180

Niyaz Ahmed saysMay 4 2015 at 1238 PM

Am now 55 year can i subscribe the APY and i want take Rs5000-pm from 60 year please senddetails

Reply

Kirti saysMay 5 2015 at 617 AM

The minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40 yearsOne needs to contribute till one attains 60 years of ageSorry Sir as you are 55 years of age you are not eligible to join

Reply

181

SAMIR KUNDU saysMay 4 2015 at 1230 PM

i am already enter NPS (a pran card holder) scheme with swabalamban active position contribution forswabalamban also received in last year(13-14)my DOB 02011974how i operate my ac

Reply

182

sunil arora saysMay 4 2015 at 1217 PM

Good News everybody all three schemes are launching by 9th may at kolkata

everything u want to know abt scheme is available to me now at my email id sunil2k11yahoocom

Reply

183

Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account saysMay 4 2015 at 330 AM

[] Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and Atal PensionYojna BeMoneyAwarecom []

184

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

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210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

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because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

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Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

Kmurali saysMay 3 2015 at 743 PM

All student joint good scheme

Reply

185

Hemanta prakash Nath saysMay 3 2015 at 405 PM

DearSir I request you this scheme give the csc and all vle give BankinginsurancepensionthanksBurhaDarrangAssamcontact- 9854929985

Reply

Kirti saysMay 4 2015 at 544 AM

Sir could you explain your question We are unable to understand it

Reply

RAM saysMay 4 2015 at 1248 PM

good news for all indian citizens i hope everybody will get these schemes

Reply

sunil arora saysMay 4 2015 at 1226 PM

dear mr hemanta hellip for this you have to talk to you SCA other wisse let me assure you that thisscheme will be provided by all the POPs and aggregators as swavlamban was so not to worryhellip it will be in your CSC

Reply

186

krishnan karur saysMay 3 2015 at 1002 AM

is there any logo for pmjjbypbsbypmapj schemes

Reply

Kirti saysMay 4 2015 at 603 AM

187

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

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61 of 75 170515 1112 AM

Reply

esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

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62 of 75 170515 1112 AM

Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

64 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

There would be but it is not launched till now As schemes are going to launched on 1 Junearound that time logo will be availableWhy interest in logos of these schemes

Reply

sunil arora saysMay 4 2015 at 1218 PM

yes pfrda is the only logo for APY

Reply

sanjiv sharma saysMay 3 2015 at 949 AM

I am a govment employee can I also take this yosna

Reply

Kirti saysMay 4 2015 at 611 AM

Which Yojna are you interested inThese schemes will be launched on June 1 2015The Atal Pension Youjna focus is on the unorganised sector As you have EPFNPS you wouldnot be eligible for itBut for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna itshould be possible Wait till 1 Jun 2015 for clarity

Reply

sunil arora saysMay 4 2015 at 1219 PM

you are already enrolled with NPShellip

Reply

Abani Kumar saysMay 4 2015 at 319 PM

I am reaching Agem of 53 Can I join in APJ please confirm it

Reply

Kirti saysMay 5 2015 at 627 AM

he minimum age of joining Atal Pension YojnaAPY is 18 years and maximum age is 40years One needs to contribute till one attains 60 years of ageSorry Sir as you are 53 years of age you are not eligible to join

188

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

61 of 75 170515 1112 AM

Reply

esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

62 of 75 170515 1112 AM

Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

64 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

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67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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Reply

esreddy saysMay 3 2015 at 700 AM

All the three schemes will be operated by PSU Banks Either life or general insurance companies arethe service providers Contribution of the premium by auto debit so people must inculcate bankinghabits clarity should be provided on continuation of pension after death of pensioner before pensionstarts or in the middle after 60 years A person started to contribute but after few years he is not in aposition to contribute for APYwhat will happen to his corpus etc to be clarified

Reply

Kirti saysMay 4 2015 at 612 AM

Yes Sir you have a good pointWe need to wait till 1 June 2015 when there will be more clarity

Reply

sunil arora saysMay 4 2015 at 1224 PM

there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all likeUTI you question abt if someone is not in the position to pay contribution hellip Once started everybody has to pay contribution forcefully if not your accound will be hold with in 3 months andtotally blocked after a year these are the only draw backs abt this APY Scheme which were notin swavlamban scheme

Reply

189

kunal saysMay 2 2015 at 952 PM

can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima YojanaPradhan MantriJeevan Jyoti Bima Yojana and Atal Pension Yojna

Reply

190

Sajjan saysMay 2 2015 at 308 PM

Great Job by our GreaT PM SirIs there any pension scheme wherein the pension increases as per inflation like govt employees get

Reply

Kirti saysMay 4 2015 at 613 AM

We are not aware of it

191

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

62 of 75 170515 1112 AM

Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

63 of 75 170515 1112 AM

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

64 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

65 of 75 170515 1112 AM

Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

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69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

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Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

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72 of 75 170515 1112 AM

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Articles about Income Tax organised at

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How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

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Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

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74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

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copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

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75 of 75 170515 1112 AM

Reply

pintu kumar maity saysMay 2 2015 at 229 PM

thank prime minister you are really hiro of my life

Reply

192

prahlad saysMay 2 2015 at 206 PM

i am at age 37 yearsi want to take the scheme for the pension of rs 5000 if my death occured at theage of 45 years what benifit i will get and then how the scheme will work then after

Reply

Kirti saysMay 5 2015 at 630 AM

We pray to God that does not happenBut if someone joins at age of 37 years and contributes for pension of Rs 5000after hisher deaththe spouse(wifehusband) will get pension after the subscriberrsquos deathAfter spouse death nominees will get the indicative amount

Reply

193

anish saysMay 2 2015 at 1240 PM

in the life insurance schemehellipif some one joins at the age of 18 and pays premium till the age of 55 hehas approximately paid rs 12500 lekin jaise LIC mein maturity of the scheme par amount mil jaatahaihellipyaha par kuch nai milega

Reply

194

HARIHAR SAHOO saysMay 2 2015 at 1253 AM

IN Atal Pension Yojna (APY)IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS amp HOWMUCH

Reply

Kirti saysMay 2 2015 at 305 AM

In case of death of subscriber pension would be available to the spouse and on the death of bothof them (subscriber and spouse)the pension corpus would be returned to his nomineeAmount of money returned to nominees depend on how much contribution one made that iswhen the person joined the scheme and how many years he contributed

195

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

63 of 75 170515 1112 AM

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

64 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

65 of 75 170515 1112 AM

Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

For example if person joined Atal Pension Yojna at 35 years he will contribute till age of 60years ie 25 yearsIf he wants monthly pension of Rs 1000 he would contribute Rs 181 a month On his death hiswife would get Rs 1000 per month and after her death the nominees will get 17 lakhIf he wants monthly pension of Rs 3000 he would contribute Rs 543 a month On his death hiswife would get Rs 3000 per month and after her death the nominees will get 51 lakhMaximum amount of pension one can get is Rs 5000 per month

Reply

ramnaresh kushwaha saysMay 6 2015 at 825 PM

dear sir how many years i have receive pension

Reply

Bhavnesh saysMay 1 2015 at 256 PM

Dear sirhow many years i have receive pension

at the time of 60 yers how many amount i have receive

Reply

Kirti saysMay 1 2015 at 829 PM

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageAfter attaining 60 years one starts getting pension Till what age he or his spouse will recievepension is not clearDetails are awaited and would be known when the scheme is launched

Reply

196

Bhavnesh saysMay 1 2015 at 222 PM

Dear siri do not under stand abvove chart of Atal Pension Yojnamy age 30 years how many money Rs Monthly investment for this yojna so get 1000 amp 5000 Pensionper month give me all details about it

Reply

Kirti saysMay 1 2015 at 826 PM

if he joins at the age of 18 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 42 for Rs 5000 pension he has to contribute Rs

197

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

64 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

65 of 75 170515 1112 AM

Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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73 of 75 170515 1112 AM

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copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

210

if he joins at the age of 40 years To get a fixed monthly pension of Rs 1000 per month thesubscriber has to contribute on monthly basis Rs 291 and for Rs 5000 pension he has tocontribute Rs 1454

Reply

raju saysMay 1 2015 at 1215 PM

are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi

Reply

Kirti saysMay 1 2015 at 831 PM

Sir aap kis yojna ki baat kar rahen hain Atal Pension yojna mein to spouse ko pension milne kaaur nominees ko lump sump milne ka provision hai

Reply

198

Abdus Salam Vai saysApril 30 2015 at 843 PM

thanks our new pm modi founder of make in India for opening this suitable and essential scheme

Reply

199

nageswarao saysApril 29 2015 at 524 PM

swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the onlyswavalamban reduce poverty so swavalamban is the best

Reply

200

annu saysApril 27 2015 at 526 PM

im umemployed person im unable to pay a such big amount of rs5 6 8lakhs would it be low

Reply

201

Sunita saysApril 25 2015 at 225 PM

My son is of 30 years His Yearly income is 500000- can he join the ATAL PENSION YOJNA (APY)by contributing Rs 577- per month Who will get the Corpus of Rs 850000- and when Whathappens id unfortunally he is no more before 60 years of age

Reply

202

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

65 of 75 170515 1112 AM

Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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71 of 75 170515 1112 AM

Reply

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

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copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

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75 of 75 170515 1112 AM

Kirti saysApril 25 2015 at 416 PM

Sir we donrsquot have details The scheme will be launched on June 1 2015 and focus is on theunorganised sector

Reply

sanjay kumar saysApril 25 2015 at 1215 PM

can i avail all above ( 3 yojna ) at same timehellip

Reply

Kirti saysApril 25 2015 at 459 PM

If you satisfy conditions yes Let more details about the scheme come out

Reply

203

Harsha saysApril 24 2015 at 506 PM

Please avail this to me

Reply

Kirti saysApril 24 2015 at 803 PM

Sorry Sir we canrsquot do that

Reply

204

Kirti saysApril 22 2015 at 534 AM

Sunil I donrsquot think Dilip Sir can enroll for NPSNon Government employee between age of 18 to 60 years can invest in National Pension scheme Hecan join as as an individual investor or if his company(Corporate house) joins NPS

Dilip Sir are you looking for a regular pension

Reply

205

sunil saysApril 20 2015 at 723 PM

I found that the swavlamban yojna was much better than APY Because here in this yojna people oncechoose rs 1000 pension can not upgrade to 2000 or 3000 Second Age limit 18 to 40 is very less

206

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

66 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

because normally people start thier earning by 23rd or 24 year Nd people above 30 only starts thinkingabt pension Third in this scheme everybody is bound to pay premium as privte schemes And themain thing is nobody knows much on APY There is no updation on scheme more than budgetannoucement and pfrda still showing swavlamban on thier site httpwwwpfrdaorgin

Kirti i am very much impressed on how u demonstrate people abt APY and trying to reply Keep goingon Regards

Reply

Kirti saysApril 20 2015 at 920 PM

Thanks Sunil We appreciate your comments Keep them coming

Reply

Dilip Kumar Biswas saysApril 11 2015 at 246 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch as contribution amount pension amount etc

Reply

sunil saysApril 21 2015 at 416 PM

you can enroll yourself with NPS it is the same as APY Except you will not get any contributionfrom govt of india

Reply

207

Dilip Kumar Biswas saysApril 11 2015 at 244 PM

I AM NOW 66 YRS OLD can I enroll my self in APY If the answer is yes then what is the proceduresuch contribution amount pension amount etc

Reply

Kirti saysApril 11 2015 at 818 PM

APY scheme will be launched on June 1 2015 and focus is on the unorganised sector Under theAtal Pension Yojna Scheme (APY) the subscribers under the age of 40 would receive the fixedmonthly pension of Rs 1000 to Rs 5000 at the age of 60 years depending on their contributionsAs you are already 65 years you cannot subscribe to APY

Reply

208

Sharma saysApril 9 2015 at 755 PM

209

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

67 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

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Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

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Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

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Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Can anyone take these scheme or is there conditions based on financial credits also

Reply

Kirti saysApril 22 2015 at 537 AM

No clarity on it till nowAtal Pension Yojna focus is on the unorganised sectorBut for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha BimaYojana there donrsquot seem to be any limitations But will wait for more details

Reply

Nilesh Kotian saysApril 3 2015 at 843 AM

Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will beActive if premium is paid regularly

Reply

Kirti saysApril 4 2015 at 515 AM

People who join the scheme before completing 50 years can however continue to have the riskof life cover up to the age of 55 years subject to payment of premiumRisk cover is till 55 years

Reply

210

SANKAR RAY saysApril 2 2015 at 1045 AM

All are very good scheme APY scheme will be open on 1st June Where should i go for open all threeschemes

Reply

211

manoj singh gaur saysMarch 29 2015 at 113 PM

IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAEYADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI

Reply

212

suresh kumar saysMarch 23 2015 at 113 PM

This is good opportunity for peoplepeople enjoy the scheme PJJYPSBY and APY It help people forgood economical background those family nobodyrsquos earned

213

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

68 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

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Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

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72 of 75 170515 1112 AM

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Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

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Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Reply

ankit saysMarch 20 2015 at 724 PM

Can i take policy in all the pension scheme plz brief

Reply

Kirti saysMarch 20 2015 at 925 PM

The scheme will be launched on June 1 2015 and focus is on the unorganised sector Details arenot available yet

Reply

214

Ramesh Jadhav saysMarch 17 2015 at 1152 PM

Pradhanmantri all this Yojana is VERY GOOD Insurance is one very imp issence thing in every budysLife

Reply

215

Sunil kumar saysMarch 17 2015 at 1016 AM

IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT ANDDEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACKAMOUNT OR NOT PLEASE TELL ME

Reply

Kirti saysMarch 17 2015 at 1006 PM

Sunil

The minimum age of joining APY is 18 years and maximum age is 40 years One needs tocontribute till one attains 60 years of ageThe Table of contribution levels fixed monthly pension to subscribers and his spouse and returnof corpus to nominees of subscribers and the contribution period is given below For example toget a fixed monthly pension between Rs 1000 per month and Rs 5000 per month thesubscriber has to contribute on monthly basis between Rs 42 and Rs 210 if he joins at the ageof 18 years For the same fixed pension levels the contribution would range between Rs 291 andRs 1454 if the subscriber joins at the age of 40 yearsHow to read the table30 30 116 231 347 462 577If you join at 30 you have to put money till 30 For monthly pension of Rs 1000 you need tocontribute Rs 116 and would get corpus of 17 lakh Rs 231 for monthly pension of 2000 Rs andcorpus of 34 lakhHope it helps

216

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

69 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Reply

sanyam jain saysMarch 15 2015 at 325 PM

What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna Ifsubscriber get death during the period before 60 or after 60 then this pension shall be applicable fornominee or not and in case of death before 60 who shall pay remaining installments upto the age of 60yearsPlease advicehellip

Reply

Kirti saysMarch 16 2015 at 518 AM

Hello SanyamYour blog rocks I am a regular reader of your blogComing to your question The table distinguishes between pension to subscriber and his spouseand his nominee So itrsquos not clear that after subscriber death would his spouse get the pension ofnot But for nominees it is clearIn case of the subscriberrsquos death after attaining 60 years of age the whole corpus generating thepension income to the subscriber would be returned back to the nominee of the subscriberIn case of untimely death of the subscriber before 60 years of age the balance would be returnedback to the nominee of the subscriber

Reply

217

ankur tyagi saysMarch 13 2015 at 1216 AM

really nice scheme

Reply

218

Swapnil Prakash Jain saysMarch 12 2015 at 507 PM

1st thanks to Shriman Narendra ModijiThis is a very helpful scheme for every Indian and especially to Under Bellow Poverty LinecommunityThank you very much indeed

Reply

219

ramu saysMarch 12 2015 at 1215 PM

hi

at what age we getting corpus amount

Reply

220

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

70 of 75 170515 1112 AM

Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

Reply

ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

71 of 75 170515 1112 AM

Reply

Leave a Reply

Your email address will not be published Required fields are marked

Name

Email

Website

Comment

You may use these HTML tags and attributes lta href= title=gt ltabbr title=gt ltacronymtitle=gt ltbgt ltblockquote cite=gt ltcitegt ltcodegt ltdel datetime=gt ltemgt ltigt ltq cite=gt

ltstrikegt ltstronggt

Notify me of followup comments via e-mail You can also subscribe without commenting

Bemoneyaware among Top Personal Finance Blogs in India

Bemoneyawarecom is among the top 8 personal finance blogs in India More raquo

Search articles on the site

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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Anand Patil saysMay 9 2015 at 251 PM

THE CORPUS AMOUNT WILL NOT GET TO YOU IT WILL GET BY YOUR NOMINEESAFTER YOU AND YOUR SPOUSE DEATH

Reply

Amit Kumar saysMarch 11 2015 at 229 PM

Thank Prime Minister your are really our care taker

Reply

221

Uttam Singh Parihar saysMarch 10 2015 at 907 PM

Thank Prime Minister your are really our care taker lot of thanks

Reply

222

sanjay kumar saysMarch 9 2015 at 120 PM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

223

Garje Hanumant Jaganath saysMarch 9 2015 at 1150 AM

Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation

Reply

224

prakash chand lakhera saysMarch 9 2015 at 1136 AM

ीमान जी म बहत गरब परवार स ह मरा परवार भी बड़ा ह ी धानमी महोदय जी क इस योजना स सभी

गरब परवार का भला होगा समत पछड़ी जाती अत पछड़ जाती क लोगो का भला होगा ी धानमी

महोदय जी का कोट कोट आभार बदन ह

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ABHAY KUMAR saysMay 11 2015 at 139 AM

YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AAJAYEGAJABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAIhellip

225

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FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

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How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

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Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

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copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

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Bemoneyaware among Top Personal Finance Blogs in India

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72 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Income Tax Filling ITR

Articles about Income Tax organised at

Learn about Income Tax

How to pay Challan 280 onlineHow To Fill Salary Details in ITR2 ITR1Income From Other Sources Saving Bank Account Fixed DepositRD and ITRAnd more

Buying a Car

Understanding Car BoxSegmentSpecificationsUnderstanding Ex Showroom Price and On Road Price of VehicleCost of owning a CarWhat is Car Insurance

Buying Gold

Understanding GoldPurityColorHallmarkHow Gold Ornament is PricedWays to invest in GoldWhich Gold ETF to choosePrices of Gold SilverGold Infographics

Subscribe To My

Bemoneyaware on Alexa

Recent Posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY)Reasons to Apply for a Personal LoanAtal Pension YojnaReturns of NPS

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

73 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

How much to pay for LPG cylinder How much LPG subsidy I will getMistakes That Can Lead to Rejection of Your Term Insurance ClaimsHow to Correct or Update Details in AadhaarIncome Tax for AY 2015-16 Tax slabs ITR FormsAadhaar What is Aadhaar How to enrolCheck Aadhaar statusDownload e AadhaarHow was the FY 2014-15 for EquitiesDebtGold

Look for Articles based on Type ex Mutual FundsTax

Recent Comments

Joy Chakraborty on Sukanya Samriddhi Calculatordinesh das on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojanaand Atal Pension Yojnahttppuredesignofnaplescom on Best Interest Rates on Saving AccountThakur Gopal S Dolia on Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan JyotiBima Yojana and Atal Pension YojnaPrince on UAN or Universal Account Number and Registration of UAN

Member of

Recent Tweets of bemoneyaware

Our Popular posts

Basics of Employee Provident Fund EPF EPS EDLISPradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima Yojana and AtalPension Yojna

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

74 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM

Salary Net Salary Gross Salary Cost to Company What is the differenceLPG Subsidy and Direct Benefit Transfer SchemeWithdrawal or Transfer of Employee Provident Fund

My recent posts

FAQ amp List of Banks for Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) amp PradhanMantri Suraksha Bima Yojana (PMSBY) May 17 2015Reasons to Apply for a Personal Loan May 11 2015Atal Pension Yojna May 10 2015Returns of NPS May 2 2015How much to pay for LPG cylinder How much LPG subsidy I will get April 26 2015

Search for More Info

Sitemap

Sitemap

Social Profiles

copy 2015 Be Money Aware BlogPowered by WordPress | Designed by FThemescom | Thanks to YouTube to Mp3 Converter free photoeditor and WordPress 34 Themes

Disclaimer This is an information based website meant for providing assistance to its readers We do nothold any responsibility for mis-information or mis-communication

Pradhan Mantri Suraksha Bima YojanaPradhan Mantri Jeevan Jyoti Bima httpwwwbemoneyawarecomblogpradhan-mantri-suraksha-bima-yoja

75 of 75 170515 1112 AM