How to apply for Ration Card (Family Card)

How to apply for Ration Card (Family Card)

Ration Card supposed to be the most essential government document. Be it for procuring the civil supplies at the subsidized rate or for the proof of address, the ration card plays an important role in our day to day life.

It is often regarded as a tedious job to get the ration card. But, if we approach the right authorities with the right documents, the ration card will be issued within 60 to 90 days from the date of making the application (Without spending any extra money – It won’t cost you more than Rs.100 to apply for the Ration card). Thanks to the readers who keep on requesting me to share about the process of getting the ration Card and time has come now for me to write about it. The purpose of this post is to provide simple step by step procedures on how to apply for ration card. The procedures are common for all those in TamilNadu, but wherever I share the contact address / numbers, those are applicable only for the residents of Chennai. Kindly note there is no option to apply for ration card online. We need to go through the traditional paper form mode for applying the ration card.

Before jumping on to the procedures, let us first know about the types of ration cards being issued by the civil supplies. The Ration cards issued by the TamilNadu Civil Supplies department will be of many types, but majority of them belongs to the below four categories:

1. Green Card : All Commodities Card, which are issued to those who opts for all the commodities from the ration card. ie. Rice + other essential commodities.

2. White Card : Sugar Cards, are issued to those who opts for sugar instead of Rice as in Green Card. Ie. Sugar + Other essential commodities (No Rice).

3. White Card : No Commodity Cards, are issued to those who don't want any commodities from the Public Distribution System (PDS).

4. Yellow Card : Tatkal Card issued only for the address proof.

We should choose either of the above cards based on our requirement. If we need Ration card just for the proof of address, then we can opt for TATKAL CARD (YELLOW CARD) where the card will be processed in a shorter span of time. 

ELIGIBILITY TO APPLY FOR RATION CARD:

• The applicant and his/her family must be Indian citizens
•  The applicant and his/her family must be living and cooking separately
• The applicant and his/her family must be residents in Tamil Nadu.
• The applicant or his family members must not possess any family card in any State in India
• The applicant or any of his/her family members must not be a member in any other family card in TamilNadu
• The applicant and members of the family must be close relatives

d

d

S    Step 1 – Download the Form: 

Download the application form from the below link:

http://www.consumer.tn.gov.in/pdf/ration.pdf

Step 2 – Take print & Fill out the form:
Take a print of the downloaded application and fill the form.  Make sure the application is error free. Keep an eye on the spelling of your name. These small mistakes might also lead to rejection of the application form.

Step 3 – Documents to be attached:
Attach a valid Proof of Address (Make sure that the Applicant’s name & address appears in the address proofs) which can be either of the below:

1. ·         Voter Identity Card
2. ·         Aadhar Card
3. ·         Property Tax in case of own house
4. ·         Latest Electricity Bill
5. ·         Latest Telephone Bill
6. ·         Front Page of Bank Pass Book
7. ·         Passport
8. ·         Allotment orders in respect of persons residing at houses allotted by Slum Clearance Board

Along with the proof of address, the below mentioned documents to be submitted: 

1. If the application was rejected earlier, Particulars regarding earlier application for family card, including registration number and

2. A self addressed and stamped postal cover or postcard to enable the office to communicate the results to the applicant.

Step 4 – Provide Gas Connection Details in Application:
Provide details of your Gas Connection in the application form as requested. Giving below the details needs to be filled up:

a) Name of person in whose name connection is registered:
b) Oil Company (BPC / IOC / HPC)
c) LPG Consumer Number:
d) Name of the Gas Agency:
e) Number of Cylinders:

Step 5: Choose the commodities you would require:
Based on this, we will be given Green Card / White Sugar Card / White No Commodities Card / Yellow Tatkal Card. We need to choose the one from the below options in the application form:

Rice and Other Commodities (Green Card) / Additional Sugar in lieu of rice (White Card) / Don’t want any commodity (White / Yellow Card)

Step 6 – Submission of Application form:
 Once the application is filled in, the applications along with documents must be filed with Assistant Commissioner of Civil Supplies of the zone in which the applicant resides. Obtain the acknowledgement slip from the Assistant commissioner’s office after submitting the form.
Giving below the contact details of the Assistant Commissioners of all the zones in Chennai.

S.No	Zone	Address	Contact No
1	Ambattur Zone	58, M.T.H.Road, Villiwakkam Town Panchiyath Office Complex, Near Ambathkar statute, Ambattur, Chennai - 600 053	044 26250309 / 9445000156
2	Annanagar Zone	116, Poonamallee High Road, Aminjakarai, Chennai-600 084	044 24753265 / 9445000155
3	Avadi Zone	8,Krishna Menon St,Gandhi nagar Avadi, Chennai 600054	044 26375560 / 9445000403
4	Chepauk Zone	37, Nagappa Iyer St., Triplicane, Chennai-5.	044 28544934 / 9445000167
5	Chidambaranar Zone	Moore Street Near Beach Railway Station, Chennai  600 001	044 25267603 / 9445000153
6	Mylapore Zone	4,Venkatesa Agraharam Street, Mylapore, Chennai-4	044 24642613 / 9445000162
7	Perambur Zone	No.13 Madavaram (North)High Road, Opp: Sympsons Company, Near: Moolakadai Bus Stop, Chennai-11	044 25593050 / 9445000154
8	Royapuram Zone	9B, Somu Cheety 6th St. Chennai  600 021	044 25953285 / 9445000158
9	Saidapet Zone	92/102 Bazaar St., Opp: VGP Square, Saidapet, Chennai-15	044 24328198 / 9445000165
10	Sholinganallur Zone	147,New Kumaran Nagar, 1st Cr St, Sholinganallur, Chennai-600119	044 24502575 / 9445000167
11	St. Thomas Mount Zone	No.2, Arikari Street, Adambakkam , Chennai - 600 088	044 22604411 / 9445000163
12	T.Nagar Zone	4, Ragaviah Road, T.Nagar, Chennai-17	044 28156674 / 9445000161
13	Tambaram Zone	4, Vanilai Arasu St., Tambaram West, Chennai-45	044 22262737 / 9445000164
14	Thiruvottiyur Zone	936, T.H.Road, Municipality Marriage Hall, Thiruvotriyur, Chennai-19	044 25992828 / 9445000159
15	Thousand Lights Zone	Vidiyothiya Main Road, Kodambakkam High Road, Nungambakkam	044 28340276 / 9445000166
16	Villivakkam Zone	New No.60, Old No.109, Perumal Koil Street, Madavethi, Villivakkam, Chennai - 600 049	044 26171451 / 9445000157

d    Step – 7: Processing &Verification:

      Once the application is submitted, it will be sent for the field verification whereby the authorized official will visit our house to ensure that the applicant satisfies the eligibility criteria as mentioned in the top of this post.  Be cautious while letting the officials in. Ask for their official ID card before letting them in.

      

      This Verification / Inspection should be initiated within 30 days from the date of application. If there is no such inspection beyond 30 days, We need to check with the Assistant commissioner in the zonal civil supplies office where you applied for the ration card (In the address mentioned above).

      

      Step – 8: Intimation of Application Status:

1.      Once, the application is found eligible for issue of a new family card, the card will be sent for printing. As soon as the printed card arrives in the office, the Assistant Commissioner will send a post card (or) a SMS to the applicant requesting him/her to collect the ration card in person with the acknowledgement slip within 15 days. The head of the family should go & collect the card. If he is not able to collect, he should send a letter authorizing any other member of the family to collect the family card on his/her behalf. Such a letter must have the signature of the other member of the family attested by the applicant. The person so authorised may collect the card after surrendering the acknowledgement slip issued at the time of submission of the application.

2.       

      In case the application is rejected, the Assistant Commissioner will send a post card / SMS to the applicant indicating the reasons for rejection within 60 days of the application date. 

       

Kindly note that, newly married couple can apply for the ration card only if they are living & using the separate kitchen from their parents who already owns ration card.

Step 1 – Remove your name from your Father’s Ration Card:

First step for a newly married couple applying for ration card is to get their names removed from their father’s ration card. For removing the name from father’s ration card, we need to visit the Ration Office (As in the addresses mentioned above) and fill in the form D-1 along with the Marriage Registration Certificate. Along with this, a written application (in white paper) by the head of the family of the existing cardholder with the below details has to be submitted:

Full address
Name
Previous address of the new member of the family
Nature of relationship with the head of the family.

Once the Assistant Commissioner is satisfied, he will issue the certificate of name removal.

Step 2 to Step 8:  Follow as in the Application for New Ration Card, except that we need to attach “NAME DELETION CERTIFICATE” which we obtained in the previous step, along with the application form.

Things to be noted:
1. Attach a copy of the ration cards where our names have been deleted / removed
2. Also obtain a copy of ration card from your neighbour / landlord of your new residence, so as to make process easier for them. It is also better to obtain a letter from the landlord stating that you are residing in the particular address.

Step 1 – Written application to be made by the head of the family & obtaining Name Deletion Certificate:

Follow the step-1 as in the Application for Ration Card of Newly Married Couple (above), except that instead of marriage certificate we need to produce the proof of reason for moving permanently to any other State.

Step 2 to Step 8:  Follow as in the Application for New Ration Card, except that we need to attach “NAME DELETION CERTIFICATE” which we obtained in the previous step, along with the application form.

Points to be noted:
1. Attach a copy of the ration cards where our names have been deleted / removed
2. Also obtain a copy of ration card from your neighbor / landlord of your new residence, so as to make process easier for them. It is also better to obtain a letter from the landlord stating that you are residing in the particular address.

Step 1 – Written application to be made by the head of the family:

In order to add a new born kid’s name to the ration card, A written application (in white paper) by the head of the family of the existing card holder with the below details has to be submitted to AC office:

Full address
Name
Nature of relationship with the head of the family.

Step 2 – Submit a copy of Birth Certificate:

Copy of Birth Certificate needs to be submitted along with the written application as in step-1.

Step 1 – Fill the Form D-1:

Form D-1 needs to be obtained from the Ration office & it should be duly filled-in.

Step 2 – Submit a copy of Death Certificate:

A copy of death certificate to be submitted along the application form as in step-1 & obtain the acknowledgement slip. Name will be removed after the officer confirms it by visiting our residence.  

If the change of address is within the same jurisdiction of the same ration shop:

Step 1 – A Written application to be made from the head of the family indicating the reason for change in address and the new address, to the officer in ration shop.

Step 2 –Submit a proof of address for the new residence along with the original ration card.

If the change of address is outside the same jurisdiction of the same ration shop:

Step 1 – A Written application to be made from the head of the family indicating the reason for change in address and the new address, to the officer in ration shop.

Step 2 –Submit a proof of address for the new residence along with the original ration card.

Step 3 – Obtain the deletion slip from your old ration shop officer. Get the card deleted from the A-Register and get a deletion slip signed by the salesman in ration shop.

Step 4 - Hand over the deletion slip with the Ration card to the AC office and get an acknowledgement slip. 

Step 1 – A written application to be made by the head of family indicating the reasons for applying for a duplicate family card, the ration card number and Fair Price Shop code. (Applications from any other member of the family will be rejected.)

Step 2 - Ration card number or xerox copy of the lost family card / the damaged family card and name of the fair price shop should be submitted.

Step 3 –Submit a copy for Proof of residence for the address as in the ration card

Key Points to be noted: 

1. Once the card arrives, check for the correctness of the data.

2. Since ration card supposed to be the essential document for many things, we should keep the card safe. I would suggest you to take few photo copies of the ration card (Front & Back). This will also help in case if we want to apply for the duplicate ration card.  

3. Be patient till 60 days since we make the application. Let us not disturb the officials by visiting their office every now & then to know the status. 

4. It is illegal to own more than one ration card for the people residing in the same house by using the same kitchen. 

Conclusion:

I have tried my level best to make this post easily understandable for those who want to apply for ration card. If you need any clarifications, you can just step in to your nearest Ration Shop / Assistant Commissioner (Civil Supplies) office and get it clarified, or you can comment here. I shall try to assist you with the solution for your queries. The post is based on the details as found in Tamilnadu Civil Supplies official website. In case if any of you find any errors in the content, feel free to let me know. Hope this post is helpful.

Meet you all in my next post.
Deepak Raghuraman
innovativedeepak87@gmail.com

What to do when accident occurs

Ignorance is a sin. Ignorance is a thing which gives way for more debates. Have heard a lot more thoughts "Ignorance is a bliss", "Ignorance is a Choice", "Ignorance is a sin" and so on. Even the law tells "Ignorantia Juris Non Excusat" means which, "Ignorance of law is no excuse". As said already, it is a much debated topic. But we should not fall into the category of that "Ignorance". 

Whenever we find there is a lapse at the time of emergency , it is mainly because of the ignorance. This post is about the Emergency care to be taken at the time of accident - where I gonna post about the things to do and not to do when an accident occurs. Though, the post and tips were common to all, the emergency contact numbers which I am providing will be related to Chennai District. 

Steps to be taken when accident occur :

Whenever an accident occurs, the first thing we get into is panic - It will be either the fear of loss of life or the fear of law. If we take the necessary steps at the right time, we shall save the lives of the people involved in accident. Listing below the steps that can be taken when an accident occurs. I am also trying to explain in the form of infograph at the end of this post to make it easily understandable. 

• Give First Aid to the injured  
• Switch on the hazard lights to indicate the other vehicles of an incident.
• Call the Ambulance (108) & take the injured to the nearest Hospital. 
• Give Information to the nearest police personnel
• Give Information to the Traffic Control Room .Call 103 - 044-28521323, 044-23452362,  044- 42042300 & 98400 17626 
• Note the Registration Numbers of the vehicles involved
• The Duty Doctor shall  make necessary entry in the Accident Register (AR), admit the injured, give treatment and give information to the police.
• If you are an eye witness and wish to provide written statement then you need to come to the police station and give a written and signed complaint.
• Keep in mind it is illegal to move any vehicle involved in the accident or any thing from the scene. Leave things as they are, even if they are blocking the road to other users.
• Avoid smoking, as there may be a petrol spillage.

Note: The driver of the faulty vehicle shall take the injured to the nearest hospital for treatment & give information to police. In case of failure, he is liable for punishment.

The above steps has been illustrated in the form of Infograph below: 

No Case Against Those who Helps the Accident Victims:

Many of us know the fact that the Government has recently announced that there is no need to be panic while helping the accident victims as the civil / criminal case won't be filed on those who helps the victims. Sharing few key points to be noted in this regard, as published in Hindustan Times: 
* A Good Samaritan in road accidents should be allowed to leave immediately, if they take an injured person to the hospital. They should not be questioned

* They should be suitably rewarded to encourage other people to come forward to help accident victims

* No civil or criminal liability should be fixed on them

* Any person who makes a phone call to inform about the victim lying on the road, shall not be compelled to reveal his/her name and personal details

* Disclosure of personal information shall be voluntary in medico-legal case form of hospitals

* Disciplinary action will be taken against public officials who force the good Samaritan to reveal his/her name and personal details

* In case of voluntary disclosure of being a witness to an accident and required to be examined for investigation by the police or during the trial, such a person shall be examined only once and the state government shall develop an SOP for non-harassment

* The ministry of health and family welfare shall issue guidelines for all registered public and private hospitals not to detain anyone who helps accident victims for registration and admission costs, unless they are a family member or relative of the injured.

List of Hospitals in Chennai - Google Map: 

Chennai has got more hospitals and it is impossible to share the contact of all the hospitals. Whenever an accident occurs, it is better to take the injured to the nearest hospital. I am sharing the Google Map below whereby the Hospitals in Chennai were plotted. Based on the area of accident, you can zoom-in and get in touch with the nearest hospital. I am using this as an experimental feature. Feel free to ping me if it doesn't work: 

 



Conclusion:

A recent survey* states that around 88% bystanders hesitate to help a victim of road crash due to legal hassles and fear of police harassment. Repeated questioning by the police, multiple summons from courts of law prevents the passerby from extending a helping to people in need, reveals the survey. As we discussed above, helping the accident victims is just a matter of time now. No need to worry about the legal implications. Never hesitate to help the victims whenever you come across any accidents. 

Be the change & See the change.  


* www.firstpost.com

PM Insurance & Pension Schemes – A Ready Referencer

PM Insurance & Pension Schemes 
A Ready Referencer

Death is the one term which makes everyone scary and the same fear plays the vital role in availing the insurance on our lives. Death is certain to happen, how many of us think about what happens to our family after our death? The insurance provides the solution for this question. It is obvious that the human life can’t be replaced with the monetary returns, but still, running a family after losing someone in our family is not an easy thing. These monetary returns in the form of Insurance claims will be handy at those times. The below quote holds good to explain about insurance in a nut-shell:

“It's not for you - it's for those you care most about!”

I am sure almost all of you are aware about the recently launched Prime Minster’s Insurance & Pension schemes.  I am just trying to explain the procedures to apply for these insurance & pension schemes in a nut-shell. I will be posting about three different schemes launched by the Government:

1.  Pradhan Mantri Jeevan Jyoti Bima Yojana (LIFE INSURANCE)

2.  Pradan Mantri Suraksha Bima Yojana (ACCIDENT INSURANCE) &

3. Atal Pension Yojana (PENSION SCHEME)

I have tried to explain the details of these schemes in the form of Infographic, so that it will be easier for the people to understand. 

1. Pradhan Mantri Jeevan Jyoti Bima Yojana (LIFE INSURANCE)

The basic information is presented in the form of Infographic below. 

How to Apply?

Applying to this scheme is just a simple task. No need for ID proof, Address Proof, DOB Proof documents. Some banks offer online application, whereas others  offers offline application.

Off-Line Application (By Submitting Application form in Bank)

1. Download the form from the below link: http://www.jansuraksha.gov.in/Files/PMJJBY/English/ApplicationForm.pdf#zoom=250

2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

On-Line Application:

As far I know,  only 4 banks are offering the Online Application for this scheme and links are given below:

1. ICICI Bank:

Service Requests > Bank Accounts > Enroll for Pradhan Mantri Jeevan Jyoti Bima Yojana

SMS PMJJY <Nominee name> Y to 5676766 from your registered mobile number.

2. HDFC Bank:

NetBanking > Click on the ‘Insurance’ tab > Select Scheme > Select the SB A/C

3. Kotak Mahindra Bank:

Link: https://www.kotak.com/j1001mp/netapp/MainPage.jsp

SMS JYOTI <nominee name> to 5676788

4. SBI:

Login to NetBanking > My Accounts > Social Security Schemes > Select the Scheme & Acc no

How and When to Claim?

The claim can be made only if the member / subscriber died before 55 years of age after paying the required premiums. The claim should be initiated by the nominee whose name is mentioned in the application form.  The procedure is explained in the form of Infographic below: 

Claim form can be downloaded from the below link:

http://www.jansuraksha.gov.in/Files/PMJJBY/English/ClaimForm.pdf

Key Points to note:

1. This is a one year cover renewable from year to year

2. Cover for the members enrolled after 31^st May 2015 will be the prospective period from the date when they enroll to 31^st May 2016. But full premium to be paid.

3. The cover is for the period is till the insured attains 55 years of age. No maturity benefit -  if the contingency (Death) happens before 55 years of age, the claim will be settled, else no return.

4. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.  One policy for one member. 

2.  Pradan Mantri Suraksha Bima Yojana (ACCIDENT INSURANCE)

The basic information is presented in the form of Infographic below. 

How to Apply?

As similar to Life Insurance scheme (Pradan Mantri Jeevan Jyoti Bima Yohana), we can apply online or offline.

Off-Line Application (By Submitting Application form in Bank)

1..  Download the form from the below link: http://www.jansuraksha.gov.in/Files/PMSBY/English/ApplicationForm.pdf#zoom=250

2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

On-Line Application:

As far I know,  only 4 banks are offering the Online Application for this scheme and links are given below:

1. ICICI Bank:

Service Requests > Bank Accounts > Enroll for Pradhan Mantri Suraksha Bima Yojana

SMS PMSBY <Nominee name> Y to 5676766 from your registered mobile number*.

2. HDFC Bank:

NetBanking > Click on the ‘Insurance’ tab > Select Scheme > Select the SB A/C

3. Kotak Mahindra Bank:

Link: https://www.kotak.com/j1001mp/netapp/MainPage.jsp

SMS SURAKSHA <nominee name> to 5676788

4. SBI:

Login to NetBanking > My Accounts > Social Security Schemes > Select the Scheme & Acc no

How and When to Claim?

The claim can be made only if the member / subscriber died or disabled due to accident before his / her 70 years of age after paying the required premiums.  Keep the below mentioned details before hand while applying for the claim:

1. Day, Date & Time of Accident

2. Place and Exact location where the accident took place

3. Nature of Accident

4. Details of Injury / Exact cause of death

5. Name address & contact details of Hospital / the attending doctor(s)

6. Possible time where the medical officer of the company can visit injured

7. FIR / Death certificate should be obtained

The procedure is explained in the form of Infographic below: 

Claim form can be downloaded from the below link:

http://www.jansuraksha.gov.in/Files/PMSBY/English/ClaimForm.pdf

Key Points to note:

1. This is a one year cover renewable from year to year

2. Cover for the members enrolled after 31^st May 2015 will be the prospective period from the date when they enroll to 31^st May 2016. But full premium to be paid.

3. The cover is for the period is till the insured attains 70 years of age. No maturity benefit -  if the contingency (Death / disability due to accident) happens before 70 years of age, the claim will be settled, else no return.

4. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.  One policy for one member.

3. Atal Pension Yojana (PENSION SCHEME)

The basic information is presented in the form of Infographic below. 

Indicative Atal Pension Yojana Monthly Contribution Chart (Based on Age):

1. Indicative Contribution Chart for Monthly Pension of `1,000

Age of Entry	Indicative Monthly Contribution (`)		Age of Entry	Indicative Monthly Contribution (`)
18	42		31	126
19	46		32	138
20	50		33	151
21	54		34	165
22	59		35	181
23	64		36	198
24	70		37	218
25	76		38	240
26	82		39	264
27	90		40	291
28	97
29	106
30	116

2. Indicative Contribution Chart for Monthly Pension of `2,000

Age of Entry	Indicative Monthly Contribution (`)		Age of Entry	Indicative Monthly Contribution (`)
18	84		31	252
19	92		32	276
20	100		33	302
21	108		34	330
22	117		35	362
23	127		36	396
24	139		37	436
25	151		38	480
26	164		39	528
27	178		40	582
28	194
29	212
30	231

3. Indicative Contribution Chart for Monthly Pension of `3,000

Age of Entry	Indicative Monthly Contribution (`)		Age of Entry	Indicative Monthly Contribution (`)
18	126		31	379
19	138		32	414
20	150		33	453
21	162		34	495
22	177		35	543
23	192		36	594
24	208		37	654
25	226		38	720
26	246		39	792
27	268		40	873
28	292
29	318
30	347

4. Indicative Contribution Chart for Monthly Pension of `4,000

Age of Entry	Indicative Monthly Contribution (`)		Age of Entry	Indicative Monthly Contribution (`)
18	168		30	462
19	183		31	504
20	198		32	551
21	215		33	602
22	234		34	659
23	254		35	722
24	277		36	792
25	301		37	870
26	327		38	957
27	356		39	1054
28	388		40	1164
29	423

5. Indicative Contribution Chart for Monthly Pension of `5,000

Age of Entry	Indicative Monthly Contribution (`)		Age of Entry	Indicative Monthly Contribution (`)
18	210		31	630
19	228		32	689
20	248		33	752
21	269		34	824
22	292		35	902
23	318		36	990
24	346		37	1087
25	376		38	1196
26	409		39	1318
27	446		40	1454
28	485
29	529
30	577

How to Apply?

We can apply only through off-line mode. To my knowledge, Banks are not offering online application for this Pension scheme.

Off-Line Application (By Submitting Application form in Bank)

1. Download the form from the below link: http://www.jansuraksha.gov.in/Files/APY/ENGLISH/ApplicationForm.pdf#zoom=250

2. Fill in the form with the necessary details. Since we already have the account with our banker, this form has very minimal entries to be filled in. It wont take more than 15 minutes to fill this form.

3. Don’t forget to fill the Aadhar Number if you have one.

4. No need to have / affix Photograph in the application form.

5. Submit the duly filled in application form to your banker. They will take care of the rest. Within a week’s time the scheme will be activated.

Key Points to note:

1.The contribution to be made every month.

2. Contributions should be made till 60 years of age.

3. Upon the completion of 60 years, we will have to submit the request to the our bank (Where we opted for this scheme) for drawing the guaranteed monthly pension.

4. One can open only one APY account

5. It should be operated through savings bank a/c only. If the members have more than one savings a/c, he can choose any one savings a/c of his choice.

6. In case of the death of the subscriber after 60 years of age, pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee.

Once it is done, we will receive an acknowledgement from the bank for all the 3 schemes like the one below: 

For Clarifications and doubts regarding any of the above mentioned 3 schemes, we can contact the toll-free numbers below: 

Pan India toll-free no: 1800110001 / 18001801111

Toll-Free number for TamilNadu: 18004254415

Credits: http://www.jansuraksha.gov.in, Advertisements in TOI, RBI website etc.,

Conclusion:

It’s a wonderful initiative and we should make use of these schemes. For a subsidized premium, they offer reasonable return to land the future in safe hands. Of the 3 above, I personally feel PENSION YOJANA is the best one. 

Voluntary savings for the future has become a history these days. We got used to spend a lot more than what we earn. This pension scheme will surely help those who are working in unorganized sector. They face more risk than those working in organized sector.  Requesting you all to make use of this opportunity and save for the future.  Small drops maketh an ocean, similarly, these small contributions will turn out to be a lumpsum money in the future.

This post is just my observation of the PM Insurance & Pension schemes based on my understanding of the rules prescribed in the Govt website. Feel free to mail me at innovativedeepak87@gmail.com, if you feel that the content is being misinterpreted.  

I should thank my friends Suren Kumar, Pavithra & Rajiv for sharing the information and clarifying my doubts while drafting this blog post. Thanks so much. Thanks to you all for your patience in reading this post.

Let’s make a better tomorrow.

Cheers,
Deepak Raghuraman
innovativedeepak87@gmail.com