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Secure Your Future with These Government Schemes: CA Nikita Jindal Shares the Details

CA Nikita Jindal, a well-known finance influencer, highlights some government schemes and shares worthy details.

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Secure Your Future with These Government Schemes: CA Nikita Jindal Shares the Details

Photo Credit: CA Nikita Jindal Instagram

  • Nikita Jindal is a finance influencer
  • Know about government schemes
  • Maximize the benefits of schemes

Are you one of those who want to take benefits of government schemes but find yourself unconfident and insecure about where to start? Navigating this government's creativity can be unsettling, but understanding and manipulating these schemes can significantly increase your financial stability and security. CA Nikita Jindal, a renowned finance influencer, is here to highlight several important government schemes introduced to support individuals and families, particularly those from poor and middle-class backgrounds. 

Pradhan Mantri Jeevan Jyoti Bima Yojana

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) is an insurance scheme that gives life insurance cover for death due to any reason. It is renewable every year. You can get this from banks/post offices and directed through life insurance companies. All individuals who are account holders of participating banks/ post offices in the age group of 18 to 50 years are allowed to join. 


  • PMJJBY offers a one-year term life cover of ₹ 2.00 Lakh to all subscribers in the age group of 18-50 years.
  • It covers death due to any reason.
  • The premium payable is ₹ 436/- per annum per subscriber, to be auto-debited from the subscriber's bank/post office account.

Atal Pension Yojana:

Atal Pension Yojana (APY) is an old-age income security scheme for a savings account holder between the age group of 18-40 years who is not an income taxpayer. The scheme helps in identifying the long-duration risks among the workers in the unorganized sector and uplifts the workers to freely save for their retirement.

In this scheme when an individual crosses the age of 60 they will get 5000/- as a pension per month. 


Minimum pension amount: Each member under APY (Atal Pension Yojana) shall be given a guaranteed minimum pension of Rs. 1000/- per month up to 5000/- per month after the age of 60 years until death.

Pension Amount to the Spouse: After the holder's death, the spouse of the pension holder shall be allowed to receive the same pension amount as that of the subscriber, until death.

Return of the pension to the Nominee: After the death of both the subscriber and the spouse, the nominee of the subscriber shall be allowed to receive the pension wealth, as collected till the subscriber's age of 60 years.

Voluntary exit (Exit before 60 Years of age):

The subscriber shall be refunded only the contributions made by him to APY along with the net actual accrued income earned on his contributions (after deducting the account maintenance charges).

Pradhan Mantri Suraksha Bima Yojana:

This scheme is an Accidental Insurance Scheme providing accidental death and disability cover for death or disability on account of an accident.


Rs.20/- per annum per member. The premium will be debited from the account holder's bank / Post office account through the ‘auto debit' facility on or before 1st June of each annual coverage period under the scheme. 


  • On Death- the Nominee shall get Rs. 2 Lakhs.
  • Also if a nominee loses any body part due to an accident- it shall get Rs. 2 lakhs.
  • Total and irrecoverable loss of sight of one eye or loss of use of one hand or foot –subscriber shall get Rs. 1 Lakh.

Also Read: Don't Buy Gold Jewellery Without Reading This: Tips from Finance Influencer Neha Nagar

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