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What is LIC Saral Pension Scheme 2023 (LIC Saral Pension Yojana in Hindi)

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What is LIC Saral Pension Scheme 2023, Calculator, Premium Chart, Online Application, Eligibility, Document, official website, Helpline number, latest News, status (LIC Saral Pension Yojana in Hindi,calculator, Premium Chart, Apply Online, Eligibility, Documents, Official Website, Helpline Number, Status, Latest News,

When working people take retirement after a certain age, then the source of income from their work stops completely. To keep this source of income going even after completing the age limit, LIC has A pension scheme named Ek Saral Pension Yojana has been launched which can prove beneficial for the individuals. There are many insurance companies in our country of India which provide different types of insurance related offers and sometimes this scheme is called Pension Scheme. They are related to LIC and also take LIC for future. It is seen that the plans of many insurance companies are different from each other, so people keep thinking that which company’s plan should be taken which will protect our future. May the future be good. Through our article, we will try to tell you about the entire scheme, how it will be applied, what are the eligibility criteria, what documents will be required, you will get all this in detail in our written article.

LIC Saral Pension Yojana 2023

name of the schemeLIC Saral Pension Scheme
who launchedInsurance Regulatory and Development Authority of India
beneficiarycitizen of india
ObjectiveThe pension scheme has to reach all citizens with simple terms and conditions.
official websiteIt hasn’t happened yet.
Application Typeonline/offline
start datesoon
Loan and surrender facilityare available.
purchase priceaccording to annuity

Atal Pension Yojana

LIC What is Saral Pension Scheme

As you all know that the insurance companies of our country provide good offers to attract people and for this reason people do not understand that they should take the insurance plan of this company which It should prove effective for our future because the rules and conditions of all the insurance companies are different in themselves, keeping this in mind the Insurance Regulatory and Development Authority of India has asked all the insurance companies to implement the Saral Pension Scheme. Guidelines have been provided that all the companies will have to implement the terms and conditions equally so that there should not be any kind of difference in the terms and conditions. The person who takes insurance from any company should get the same benefits as he gets in any other company. Are means should be equally. This means that the customer gets the same type of plan i.e. benefits in any company on the same terms and conditions. Therefore, LIC has taken this step which can prove to be good for the people and under this plan, all the insurance companies will have to execute the plan under the same terms and conditions. Because no matter from which company a person takes a plan under this scheme, he should get the plan only on the same terms and conditions and there should not be any kind of tempting offer. Strict terms and conditions will be implemented in this plan.

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LIC Options under Saral Pension Scheme

This plan can be purchased through online or offline and the minimum annuity is Rs 12000 per year. If seen, there is no maximum limit set under this scheme. This scheme can be purchased by men and women between 40 to 80 years of age. After purchasing, they will have to deposit at least ₹ 1000 in a month in this scheme. You can buy it in two forms which are as follows –

Widow Pension Scheme

Life annuity with return of purchase price

In Life Annuity with Return of Purchase Price, the pension amount will be provided to only one person who will be the nominee. The base price will be paid to the nominee after the death of the pensioner.

joint life

According to this scheme, both husband and wife will be involved in it. Whoever survives longer will get the benefit of this scheme. There will be no deduction in the pension amount and after the death of both the people, the nominee will get the base amount. price will be paid.

Prime Minister Shram Yogi Maandhan Pension Scheme

LIC Annuity of Saral Pension Scheme

Let us tell you what it means. Annuity means that when the insurance company provides some amount annually in return for investment, we know it as annuity. The customer himself can choose its duration for 1 month, quarter, six months or a year. After the death of someone, its base price is transferred to the name of the nominee and as long as the person is alive, he will receive the amount in the form of Pension continues to be received.

Loan facility and surrender under Saral Pension Scheme

Under Saral Pension Scheme, if the beneficiary wishes, he can also get a loan under this scheme after 6 months. Even if the customer dies, the life partner of the customer can also apply for the loan through the policy after 6 months. You can get just after getting the loan, you will have to pay interest on it at a certain percentage. If any of your children or anyone else gets a serious illness, then you can also surrender your policy in which 95% of the amount will be returned to you. If it goes, it will not be completed. If you have taken a loan then after deducting that amount also the remaining amount will be given.

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Defense Pension Grievance Redressal Portal

LIC Objectives of Saral Pension Scheme

  • All Indian citizens have to be made aware about the pension under this scheme.
  • All the terms and conditions related to pension should be made easy, simple and uniform and should be implemented on all the insurance companies.
  • The main objective of this scheme is to ensure that after a certain age, one does not have to face financial crunch while remaining a source of income.

LIC Benefits of Saral Pension Scheme

  • Under Saral Pension Scheme, pension facility will be provided to all equal citizens.
  • If there is a need for a loan under the pension scheme, that too can be easily obtained.
  • Even a common man can avail the benefits of this pension scheme.
  • Insurance regulatory and Development Authority of India has asked all the insurance companies to make its terms and conditions simple and clear.
  • The period of annuity can be chosen by the customer as monthly, quarterly, half yearly and yearly as per the discretion of the customer.
  • Payment will be made to the spouse of the subscriber after his/her death.
  • Life partner can also get a loan, which means he will have to pay interest on it.
  • On surrender of the policy, 95% of the purchase price will be refunded.

Prime Minister Small Businessmen Maandhan Pension Scheme

LIC Saral Pension Scheme Eligibility (Eligibility)

  • The person taking the policy must be a permanent resident of India.
  • Along with being a permanent resident, his age should be between 40 to 80 years.

LIC Saral Pension Scheme Important Documents

  • Aadhar card
  • PAN card
  • Bank account statement
  • Ration card
  • Address proof
  • income certificate
  • passport size photograph
  • mobile number

Prime Minister Kisan Maandhan Pension Scheme

LIC Online application under Saral Pension Scheme apply)

  • First you have to go to the official website of the insurance company or bank, after going there a home page will open in front of you.
  • On the home page, you have to see where Saral Pension Scheme is written and then click on it.
  • After this you have to click on the link of apply know with your computer mouse or touch and click with your mobile.
  • Now the application form will open before your eyes.
  • After that you have to fill all the important information asked in the application form like name, phone number, address etc.
  • Important documents are to be attached after that the documents asked for
  • After attaching, then click on the submit option.
  • Once you submit, your application will be processed under Saral Pension Scheme.

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LIC Saral Pension Scheme Offline Application apply)

  • For offline, first of all you will have to go to the nearest insurance company or bank office and inquire there.
  • There you will have to get the Saral Pension Scheme Application Form.
  • When you take the application form from there, you have to fill the asked information very carefully and include the necessary information like name, address, mobile phone number, all documents etc.
  • After everything is done, this application form has to be submitted to the insurance company.
  • In this way, your application under Saral Pension Scheme has been done offline very easily. Similarly, you can also avail the benefits of this scheme through offline.

PM Vaya Vandana Yojana

conclusion (Conclusion)

In the end, under this scheme, we would like to say that this scheme is a good scheme, under this scheme, you can deposit some of your money in a simple scheme now so that you do not face financial crisis in your old age, due to which this scheme can prove to be very effective. Because after a certain age you will start receiving pension in it. Due to which we will be able to live a good life.


Q: What is the scheme in which all insurance companies have to work under the same terms and conditions?

Ans: Saral Pension Scheme.

Q: Up to what age are the beneficiaries eligible for Saral Pension Scheme?

Answer: From the age of 40 to 80.

Q: Who is entitled to pension benefits after the death of the subscriber?

Ans: Wife or husband of the customer.

Q: In what forms can applications be made under Saral Pension Scheme?

Ans: This can be done through both online and offline mediums.

Q: Who will get the benefit of Saral Pension Scheme?

Ans: residents of india

Read more –

Note: Please Check all the Relevant Deatails Regarding this Scheme on the Official Website of this Scheme.

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