Get Rs 2 lakh by spending just Rs 330 in this government scheme, find out how to benefit || Pradhan Mantri Jeevan Jyoti Vima Yojana

Get Rs 2 lakh by spending just Rs 330 in this government scheme, find out how to benefit

It has become necessary to take steps towards security in these difficult times. Take advantage of the Pradhan Mantri Jeevan Jyoti Vima Yojana (PMJJBY), a cheap premium scheme launched by the Modi government and ensure the safety of your loved ones. The finance ministry tweeted information about PMJJBY. Pradhan Mantri Jeevan Jyoti Vima Yojana is a term insurance plan. If a person dies after the investment, his family gets Rs 2 lakh.

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PMJJBY runs from 1 June to 31 May. You need to have a bank account to avail these schemes. Insurance may be canceled due to insufficient balance in the account at the time of closing of bank account or deduction of premium. The PMJJBY was launched by the Modi government on May 9, 2015.

Features of PMJJBY

>> This scheme offers life cover up to the age of 55 years.

>> If the insured dies due to any reason, his nominee gets an amount of Rs. 2 lakhs.

>> Citizens between the ages of 18 to 50 can avail this scheme.

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>> PMJJBY's annual premium is only 330 rupees.

>> If one joins PMJJBY between the years, the premium amount will be decided on the basis of the date of application, not on the date of deduction.

Terms and Conditions

>> An individual can only associate with PMJJBY with an insurance company and a bank account.

>> A person who leaves the scheme midway can rejoin it by paying an annual premium and submitting a self-declaration of good health.

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>> To claim PMJJBY the insured nominee has to contact the bank branch where the insured has an account. Receipt of claim requires submission of death certificate of the insured and a claim form. After the process is completed, the claim amount will be transferred to the bank account of the nominee.

>> Insurance will be completed automatically after the insured reaches the age of 55 years.

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>> This is a pure term insurance policy, as a result it only covers death.

>> It also has no Maturity Benefit, Surrender Value etc.

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Good news for home or flat buyers! Benefit of PM Awas Yojana before 31st March 2021

Good news for home or flat buyers! Benefit of PM Awas Yojana before 31st March 2021

The central government is offering interest rebates through the Credit Linked Subsidy Scheme under the PM Awas Yojana.

New Delhi: The central government is offering interest rebates under the Credit Linked Subsidy Scheme (CLSS) under the PM Awas Yojana. Notably, the government is going to extend the duration of the scheme for one year. The announcement could be made in the budget to be released in February. 

Currently the plan is till March 31, 2021. If you have not yet taken advantage of PM Awas Yojana, you can come by March 31, 2021. This will benefit the people who buy new houses or flats the most. They will save millions of rupees in the form of interest.

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The scheme will benefit millions of people

Under this scheme, interest subsidy on home loan is provided to first time home buyers. The subsidy can be up to a maximum of Rs 2.67 lakh. According to sources, the meeting on budget preparation agreed in principle that in view of the area of ​​crisis, it was necessary to extend the duration of the scheme to benefit the younger as well as the real sector.

What is PM Housing Scheme?

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Notably, the Pradhan Mantri Awas Yojana is a scheme launched by the government in India to provide affordable housing to people in urban and rural areas. Under it, first time home buyers are given CLSS or credit linked subsidy. The subsidy can be up to a maximum of Rs 2.67 lakh. This is a scheme sponsored by the Central Government. It can be availed till March 31, 2021.

Check your name like this

First go to rhreporting.nic.in/netiay/Benificiary.aspx website. .

If there is a registration number, fill it and click, then the data will come up.

If you do not have a registration number, click on Advance Search.

Fill out the form. Click Search.

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If the name is available in the PMAY G list, all the relevant details will be seen.

Subsidy to which class of people in which class

EWS section 6.5 per cent subsidy for people with an annual income of up to Rs 3 lakh

LIG 6.5 per cent subsidy to people with an annual income of Rs 3 lakh to Rs 6 lakh

Credit link subsidy of up to 4 per cent MIG1 to people with an annual income of Rs 6 lakh to Rs 12 lakh

People with an annual income of Rs 12 lakh to Rs 18 lakh get the benefit of subsidy in MIG2 section 3% credit link subsidy.

This will benefit

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- There should not be a pucca building. Do not apply under PMAY if already.

- No government housing scheme benefit.

- Aadhar required to apply under Pradhan Mantri Awas Yojana.

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This is how to check your name in the list of Pradhan Mantri Awas Yojana-Grameen (PMAY-G), know all the things connected with the scheme

 This is how to check your name in the list of Pradhan Mantri Awas Yojana-Grameen (PMAY-G), know all the things connected with the scheme

Under the Pradhan Mantri Awas Yojana-Grameen (PMAY-G), the government provides financial assistance for the construction of lined houses with all basic amenities like power supply and sanitation. All families who do not have a home or are currently living in dilapidated or dilapidated houses in rural India can apply for PMAY-G.

In PMAY-G, you can take a loan of Rs 6 lakh at an annual interest rate of 6.5 per cent. The minimum size of the house should be 25 square meters, which should have all the basic facilities like power supply and clean kitchen space.

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CLSS or credit linked subsidy is given under this scheme. If you want more than this amount to build a house, you have to take a loan on that extra amount at normal interest rate. Now when many calculators exist on the online website. You can also calculate the monthly installment according to your home loan amount and interest rate. 

According to the information provided on www.paisabazaar.com, if your annual income is Rs 6 lakh and the maximum loan amount is Rs 6 lakh, you will get a subsidy of 6.5 per cent. After giving your interest subsidy on 6.5 per cent subsidy, NPV will be Rs. 2,67,000. Accordingly, your PMAY loan is actually Rs. 3.33 lakhs instead of Rs. 6 lakhs.

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Who will benefit

In addition to the BPL list, there are a few other individuals who are eligible to benefit from PMAY-G.

Terms and conditions for the plan

The family should not have a pucca house anywhere in the whole country. Minority and non-SC / ST rural families in the Scheduled Caste / Scheduled Tribe (SC / ST) BPL category. Retirees and widows and dependents of defense personnel / paramilitary soldiers who have been martyred in the proceedings, the family applying for the loan under this scheme includes a husband, wife and children (who are unmarried) the applicant and his family must meet the mandatory income criteria for the scheme. Must be EWS (Economically Weak Section), LIG ​​(Low Income Group), or BPL (Below Poverty Line) category. The family income of the applicant should be between Rs. 3 lakhs to 6 lakhs. Under this scheme, only the beneficiaries are allowed to buy or build the property.

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On what basis the list has been prepared

To identify the beneficiaries under Pradhan Mantri Awas Yojana, the government is focusing on Socio Economic Caste Census 2011 i.e. Socio Economic Caste Census 2011. In addition, the government involves tehsils and panchayats to decide the final list.

How to check if name applied

First go to rhreporting.nic.in/netiay/Benificiary.aspx website. If there is a registration number, enter it and click, then the details will be revealed. If you do not have a registration number, then click on 'Advanced Search'. Then click on the search option. If your name is present in the PMAY-G list, then all the relevant details will appear.

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These documents should

Completed PMAY-G application form, ID proof (e.g. Aadhaar card, Voter ID, etc.), Certificate of sexual group, Proof of income, Certificate of income, If income is less than the taxable limit, Proof of address, Proof of salary, 6 months bank Statement, Income Tax Return, Form 16, Tax Assessment Order, Information about the business if the applicant is involved in the business, financial statement in case of business, construction plan, cost of construction claim, formal appraiser's certificate, affidavit certifying that the applicant or his family members are not So if you have a pucca house, any advance payment receipt made to the builder, agreement with the developer or builder, NOC from the housing society will be required.

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