Both the State and the Central Governments in India have taken multiple steps to eradicate poverty. One such step taken by the government of Kerala is the introduction of the Sevana pension scheme. It is one of the government-provided services that have its ultimate goal to help the poverty-stricken people of Kerala. Providing social and financial security to the needy is the motto behind the Sevana pension scheme.
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The government has subdivided the plan into several major categories, which will, in turn, reach all the persons who need help. There are around 16 lakhs people who are benefited from the scheme in the underprivileged category. Under this plan, the pension amount is distributed through the local bodies such as Panchayats, Municipalities and Corporations of the state.
The Sevana pension consists of several major categories, and they are required to meet different eligibility criteria for each scheme.
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Here is a rundown of the key features of Sevana Pension Scheme:
The benefits of the Sevana pension scheme cover various sectors of people:
Under this scheme, elderly people above 60 years are benefited. The pension amount that the beneficiary of this scheme will receive is Rs.1500. Though the implementation was handled before by the revenue department, the whole control now is under the government of Kerala.
With this scheme, the government tries to satisfy the needs of the widows across the state. An important point about this scheme is that the widow should not be married again. The amount received by the beneficiary under this scheme is Rs.1500.
This scheme is introduced especially for women who are unmarried and are above the age of 50. The pension amount received by the beneficiary is Rs.1500.
Under this scheme, persons with a disability of more than 40% will be helped by the government. To ensure the disability of the applicant, medical officers will verify the applicant. The amount provided to the beneficiary under this scheme is Rs.1500.
The agricultural labourers with the low-income level can be benefitted from this scheme. The pension amount given to the beneficiary is Rs.1500.
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There are several documents that have to be submitted along with the application form. The list of documents is as follows:
Here is the application process related to various schemes under this plan,
The following steps are involved in applying for Indira Gandhi National Old-age Pension Scheme:
Step 1: Visit the official website of the Sevana pension.
Step 2: On the home page, click on the application forms.
Step 3: Now, select Indira Gandhi national old-age pension option.
Step 4: Download the application form and fill in the required details with utmost correctness.
Step 5: Attach the required documents and submit the application to the officials in the Panchayat or Municipal Corporation.
Step 6: The application will be reviewed by the concerned department, and the pension amount will be approved.
The following steps are needed to follow to apply for Pension to Unmarried Women:
Step 1: Launch the official website and click on the application forms.
Step 2: Select pensions for unmarried women above 50 years of age option.
Step 3: The page will be redirected to a page where the application can be downloaded.
Step 4: Fill in the asked details and attach the list of documents required before submitting the application to the officials.
Step 5: An inquiry will be made on the submitted application, and action will be taken accordingly.
One needs to follow the steps below to apply for Indira Gandhi National Widow Pension Plan:
Step 1: Open the official website of the Sevana pension and select the application forms.
Step 2: In the list of plans, click on the Indira Gandhi National Widow Pension Scheme.
Step 3: An application will be displayed, which can be downloaded.
Step 4: Fill in the details and submit the application to the corporation, municipality or Panchayats by attaching the documents required.
Step 5: The officials of the respective department will check the application and sanction the pension amount.
The following steps would be required to follow in order to apply for Indira Gandhi National Disability Pension Plan:
Step 1: Launch the website of the Sevana pension scheme and click on the download tab.
Step 2: Select the application forms and click on the Indira Gandhi national disability pension scheme – mentally/physically challenged.
Step 3: Download the application form and fill in all the details required.
Step 4: Submit the application with the essential documents.
Step 5: After the proper analysis by the social welfare department, the pension amount will be provided.
One needs to follow the steps mentioned below so as to apply for Agricultural Labour Pension Plan:
Step 1: On the homepage of the website of scheme, click on the downloads tab.
Step 2: Select the application forms and click on the agricultural worker's pension option.
Step 3: Download the application.
Step 4: Fill in all the details and attach the required documents.
Step 5: Hand over the application to the concerned gram panchayat municipality.
Step 6: The officials will review the application in 45 days, and the pension amount will be released.
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A1. No, not all agricultural workers can apply to this scheme. The applicant should be a member of the Agricultural worker's welfare fund of Kerala, and the annual income of the applicant's family should be lower than Rs.1, 00,000.
A2. Yes, a bank account is needed for applying this scheme. Only then the pension amount will be credited to the concerned beneficiary without fail.
A3. The application can be submitted based on the applicant's location. When the applicant is residing in the panchayat union, he can submit the application to the gram panchayat office. If the applicant is in the municipality and corporation, the applications can be submitted to the municipal office.
A4. The Sevana pension offers the opportunity for various categories. Check whether you are an eligible applicant in any of the schemes under the Sevana pension plan. Fill the application form with respect to the scheme you are eligible for and submit the application.
A5. Your pension amount will be credited to the bank account that is associated with the registration of the scheme. During the submission of the application form, provide your bank details so that the pension amount can be transferred without any disturbances.
A6. No, you can't apply for both categories. An applicant can claim a pension amount under any one of the categories of this scheme. The beneficiary should not be enrolled with any other welfare schemes by the government.
A7. A medical officer will be appointed to ensure the disability of the applicant. Only then the pension amount will be sanctioned.
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*All savings are provided by the insurer as per the IRDAI approved insurance
plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
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¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
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