Gram Suraksha Yojana Online Apply, Interest rate, Calculator 2022

Gram Suraksha scheme calculator | Post Office Gram Suraksha Yojana Form | Gram Suraksha Yojana apply online | Gram Suraksha scheme chart, interest rate | Rural Post Office Insurance Scheme 2022

Prime Minister has implemented this great Gram Suraksha Yojana for the people of the country. Here we will know what Gram Suraksha Yojana 2022 is – what is GSY Scheme, the objectives of the scheme, Gram Suraksha Yojana benefits, Key Highlights, and Features of Post Office Gram Suraksha Yojana All of you can check the complete information about the criteria, official website, registration process, etc. from here, so if you want to take advantage of the scheme, then also see the process of applying in the scheme here.

Post Office Gram Suraksha Yojana

Indian citizens have always had full faith in the country’s post office system. For this reason, citizens find it profitable to invest in schemes launched by post offices. Rural people prefer to do all their financial work through post offices. 

Indian Postal Dept. Always brings new schemes for the betterment and benefit of the citizens. In this series, the scheme released by the Indian Postal Department is Post Office Gram Suraksha Yojana. It is a whole life insurance plan which is a great investment option. 

It is a Whole Life Insurance Plan: By investing Rs.500 per month at the rate of Rs.50 per day, you will get three times the amount after 55 years, which can make your old age happy. 

Gram Suraksha Yojana Highlights

SchemePost Office Gram Suraksha Yojana
Started Byby the Indian postal department
Declaration date24.03.1995
ObjectiveMaking a proper and safe investment of the money of the citizens of the country especially the villagers
Official website https://www.postallifeinsurance.gov.in 
HELP Line No. 1800 180 5232 / 155232

Objectives of the scheme:

  • The main objective of the Post Office Gram Suraksha Yojana is to encourage people in rural areas to invest in life insurance schemes. 
  • To provide a low-risk insurance scheme to the villagers. 
  • This scheme will work to secure old age. 
  • Investors also get the benefit of life insurance (life cover) by investing in this scheme. 
  • The investor also gets the facility to take a loan under this scheme. 

Features of Village Security Scheme:

  • It is a low-risk insurance plan. 
  • It gives three times the return to the investors. 
  • This scheme has been launched by the Postal Department for those people who want a safe investment for their money. 
  • Indian citizens aged between 19-55 years can invest in this scheme. 
  • The sum insured in this scheme ranges from Rs.10,000 to Rs.10,00,000 .
  • There are many options for paying premiums to the investors like monthly, quarterly, half yearly or yearly. 
  • There is also a grace period of thirty days for premium payment. 
  • Premium : If a 19 year old youth buys a Gram Suraksha Bima policy of Rs 10 lakh for a period of 55 years, then he will have to pay a premium of Rs 1515 every month till 55 years. If the term of the policy is 58 years, then they will have to pay a monthly premium of Rs.1463. And for the policy term of the term 60 years, a premium of Rs.1411 will have to be paid.
  • Maturity Benefit : At the end of the policy term of 55 years, the investor will get Rs 31.60 lakh . A total amount of Rs 33.40 will be available at the end of the tenure of 58 years and Rs 34.60 at the end of 60 years. 
  • In Gram Suraksha policy the Sum Assured along with the Bonus is payable up to the maximum age of 80 years. 
  • If the investor dies before the expiry of the term, the amount goes to the legal heir of the investor . 
  • If you are unable to pay the premium every year due to financial constraints or any other reason, then you can also surrender the policy after paying the premium for at least three years. Its disadvantage is that then they are not entitled to the bonus. 
  • Loan facility is also available in this scheme. But the loan is available after 4 years of investing in the Gram Suraksha Insurance Policy. 
  • Defaulters : Investors who are unable to pay some premium due to any reason are given an opportunity to pay the remaining premium before maturity. 
  • Investors get tax concession under section 80C and section 88 . 
  • Good bonus is available in Post office Village Suraksha policy. 65 rupees for every 1000 rupees the post office gives. 
  • If investors want, they can get their policy transferred from one post office to another. 
  • The most important document is the policy bond which should be kept safe. 
  • From 2017 onwards, 18% tax has started levied on the policy premium. 
  • Interested beneficiaries can easily make their application by visiting the official website of Post Office Gram Suraksha Yojana. 

Gram Suraksha Yojana beneficiaries:

  • central and state employees 
  • departmental agent
  • defense service people
  • industrial worker
  • government-aided educational institutions
  • Metropolitan Municipality 
  • District Council
  • municipalities 
  • public sector bank 
  • RBI and SBI Subsidiaries 
  • Central and State Boards, Corporations, Industrial Institutions and Financial Institutions 

How to invest in Gram Suraksha Yojana: Offline and Online:

  • To buy the Post office Village Suraksha policy, you can first go to your nearest post office and get complete information about the policy. After that, after consulting with your family, you can start investing by filling out the form in the same post office.
  • Apart from this, you can get information about Post Office Village Security Policy by visiting the official website www.postallifeinsurance.gov.in. This website has the facility to take the policy online. 
  • Updates about the policy can be taken through the email id and mobile number of the nominee. 

dakghar Bachat plan provides you an opportunity to make safe investments with good returns. There are many options for investing money. Many private organizations keep on introducing new and attractive insurance policies. One can also invest in mutual funds and the stock market. But there is a lot of risk in all these investments, even if money is made in them, it can also be drowned. The postal department has implemented the Post Office Gram Suraksha Yojna for the same purpose that the money of the hard work of the rural people is safe and they also get good returns on it. 

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