LIC Monthly Income Plan: Kya aap retirement ke baad ya abhi se ek fixed monthly income chahte ho? To LIC ka Monthly Income Plan, jaise Jeevan Akshay-VII, aapke liye perfect hai! Ye LIC Housing Finance ke FD se alag hai – ye annuity plan hai jahan aap lump sum invest karte ho aur lifetime guaranteed pension milti hai. Galatfahmi mat karna, kuch clickbait articles mein ₹1 lakh pe ₹6,500 monthly ka dawa kiya jaata hai, lekin asliyat mein ye ₹10 lakh investment pe possible hai (around 7-8% effective rate seniors ke liye). Aaj hum detail mein bataayenge kaise ye plan kaam karta hai, benefits, eligibility aur apply kaise karein. Ye plan government-backed hai, to safety 100%!
LIC Monthly Income Plan Kya Hai? Annuity Ka Full Funda
LIC (Life Insurance Corporation of India) annuity plans offer karti hai jisme aap single premium pay karte ho aur badle mein regular pension milti hai – monthly, quarterly ya yearly. Sabse popular hai Jeevan Akshay-VII (Plan No. 857), jo immediate annuity hai. Matlab, invest karte hi income shuru! Ye FD se behtar hai kyunki lifetime guarantee deta hai, market fluctuations se safe. Rates age pe depend karte hain – seniors (60+) ko zyada payout. Example: Age 60 pe, ₹10 lakh invest kar Option A (Annuity for Life) mein around ₹6,000-7,000 monthly mil sakta hai (current rates ~7.5-8.5% equivalent). Min investment ₹1 lakh, lekin zyada invest se better returns!
₹10 Lakh Invest Kar Kaise Milega ₹6,500 Monthly? Calculation aur Tips
Maan lo aap 60 saal ke ho, Jeevan Akshay-VII mein ₹10 lakh purchase price daalte ho. Annuity options mein se ‘Annuity for Life with Return of Purchase Price’ choose karo to rate thoda kam (~6%), monthly ~₹5,000. Lekin ‘Annuity for Life’ (no return) mein rate high (~8%), monthly ₹6,500 tak pahunch sakta hai! Ye rates 2025 mein update hue hain, jaise Feb 2024 se badhe. Tip: Online buy karo to 2% extra incentive. Tax benefits bhi – pension pe TDS lagta hai, lekin Form 15G/H se avoid kar sakte ho. Compare karo bank FD se: Bank mein 7% pe ₹10 lakh ka monthly interest ~₹5,833, lekin principal wapas milta hai, annuity mein lifetime income!
Kyun Hai LIC Monthly Income Plan Sabse Safe aur Reliable?
LIC government-supported hai, 1956 se trusted. Ye plan IRDAI regulated hai, to zero risk – private companies ke schemes se behtar. Benefits include:
- Guaranteed Income: Market down ho ya up, payout fixed.
- Death Benefit Options: Kuch options mein family ko purchase price wapas.
- Loan Facility: Policy ke against loan le sakte ho.
- Tax Savings: Section 80C ke under nahi, lekin pension tax-efficient.
- Flexibility: Joint life option husband-wife ke liye, ya increasing annuity (3% annual badhotari). Khaskar seniors, housewives ya retirees ke liye best, jo pension nahi paa rahe.
Kaun Apply Kar Sakta Hai? Eligibility aur Documents
- Age: Min 30 saal (Jeevan Akshay), max no limit, lekin higher age better rates.
- Citizenship: Indian residents, NRIs bhi eligible.
- Min Investment: ₹1 lakh (age 30+), no max.
- Documents: Aadhaar, PAN, bank details, age proof. Senior citizens (60+) ko special high rates. Ye plan long-term ke liye hai – 10 options mein se choose karo jaise single life ya joint.
Read more: – CIBIL Score Kaise Calculate Hota Hai? Ye Jaan Kar Loan Approval Ho Jayega Super Easy!
Online Apply Kaise Karein? Step-by-Step Guide
Easy process! LIC website (licindia.in) pe jao:
- ‘Products’ > ‘Pension Plans’ > Jeevan Akshay-VII select karo.
- Premium Calculator use kar rates check karo.
- Online form bharo – mobile, Aadhaar, PAN daalo.
- KYC complete (video ya Aadhaar-based).
- Payment karo – UPI, net banking se.
- Confirmation milega, aur 1 month mein first payout bank account mein! App ya branch se bhi apply kar sakte ho. Updates SMS/email se milte hain. Premature withdrawal? Limited, lekin emergency mein possible with penalty.
Toh, agar aap secure future chahte ho, LIC Monthly Income Plan try karo. Ye na sirf paisa deta hai, balki peace of mind bhi! Apna experience comment mein share karo.
