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मुख्य विशेषताएँ

1. योजना का प्रकार – एकल प्रीमियम तात्कालिक वार्षिकी योजना

2.  विविध विकल्प – चुनने के लिए 10 वार्षिकी विकल्प – तुरन्त एन्यूटी (पेंशन)

3. एन्युटी (पेंशन)  – वार्षिक, छमाही, तिमाही एवं मासिक

4. तरलता

(i)ऋण – पालिसी जारी तिथि से 3 माह के उपरान्त
(ii) अभ्यर्पण – पालिसी जारी तिथि से 3 माह के उपरान्त
6. मृत्यु लाभ – (विकल्प F व J हेतु) सम्पूर्ण क्रय मूल्य की वापसी
7. अहर्ता – न्यूनतम आयु  – 25 वर्ष पूर्ण (Last Birthday)
    85 वर्ष पूर्ण (विकल्प F को छोड़कर)
    क्रय मूल्य (न्यूनतम) – 25 से 29 वर्ष 10 लाख
    30 वर्ष एवं अधिक – 1 लाख
    क्रय मूल्य (अधिकतम)  – कोई सीमा नहीं
8. न्यूनतम एन्युटी (पेंशन)
   मासिक – ₹1000/-  तिमाही – ₹3000/-
   छमाही – ₹6000/-   वार्षिक – ₹12000/-

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विशेष आकर्षण: संयुक्त जीवन- दादा-दादी, माता-पिता, पोता-पोती, जीवनसाथी, भाई-बहन (न्यूनतम उम्र 30 वर्ष)

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क्रय मूल्य*
10 लाख
25 लाख
50 लाख
1 करोड़
विकल्प A
78000 195875 391750 786000
आजीवन वार्षिकी
विकल्प F
65100 163625 327250 657000 आजीवन वार्षिकी, क्रय मूल्य की वापसी के साथ
विकल्प J
64700 162625 325250 653000
संयुक्त जीवन वार्षिकी, किसी एक वार्षिकीग्राही के
जीवित रहने तक 100% वार्षिकी देय होने और
अंतिम उत्तरजीवित की मृत्यु पर क्रय मूल्य की
वापसी के प्रावधान के साथ

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पेंशन की आवश्यकता क्यों ?

सुरक्षा – बढ़ती आयु में आय अर्जन नहीं होता (असुरक्षा)।

आत्मनिर्भरता – बच्चों से अलग रहना (संयुक्त परिवार का विघटन) दीर्घ आयु में बढ़ते मेडिकल खर्चो की आवश्यकता होती है।
लंबी जीवन अवधि – रिटायर्ड जीवन की अवधि कामकाजी जीवन के बराबर भी हो सकती है। औसत आयु बढ़ गई है।
असुरक्षा – बढ़ती महंगाई, असुरक्षित नौकरी / व्यवसाय की अनिश्चितता।

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अन्य विशेषताएँ

  • बाजार के उतार-चढ़ाव, बैंको के व्याज दर कम होने का कोई असर नहीं।
  • धोखाधड़ी का कोई भय नहीं, बैंक से सीधे आजीवन भुगतान की गारंटी ।
  • NPS Subscribers एवं दिव्यांग आश्रित हेतु विशेष प्रावधान।
  • एन्युटी (पेंशन) पर कोई TDS नहीं।
  • एकल प्रीमियम (क्रय मूल्य) पर आयकर की धारा 80C में नियमानुसार छूट।

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