{"id":188,"date":"2026-04-14T03:52:15","date_gmt":"2026-04-14T03:52:15","guid":{"rendered":"https:\/\/mintcream-kangaroo-259825.hostingersite.com\/?p=188"},"modified":"2026-04-23T11:09:52","modified_gmt":"2026-04-23T11:09:52","slug":"saral-pension-scheme","status":"publish","type":"post","link":"https:\/\/edugic.com\/?p=188","title":{"rendered":"Saral Pension Scheme 2026 \u2013 Online Application, Calculator, Interest Rate &amp; Benefits"},"content":{"rendered":"\n<p><strong>Saral Pension Scheme 2025 <\/strong>:- If you are a senior citizen planning a secure future after retirement, the <strong>Saral Pension Yojana 2025 <\/strong>could be a beneficial option for you. This scheme is offered by various insurance companies in India and is mandated by the Insurance Regulatory and Development Authority of India (IRDAI). This article covers all essential details\u2014online application process, benefits, premium calculator, interest rates, and required documents.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><nav><ul><li class=\"\"><a href=\"\/#overview-of-saral-pension-scheme-2025\">Overview of Saral Pension Scheme 2025 <\/a><ul><li class=\"\"><a href=\"\/#key-dates-of-saral-pension-yojana-2025\">Key Dates of Saral Pension Yojana 2025 <\/a><\/li><li class=\"\"><a href=\"\/#key-features-of-saral-pension-scheme\">Key Features of Saral Pension Scheme <\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"\/#benefits-of-saral-pension-yojana\">Benefits of Saral Pension Yojana<\/a><\/li><li class=\"\"><a href=\"\/#premium-calculator\">Premium Calculator<\/a><\/li><li class=\"\"><a href=\"\/#eligibility-criteria-of-saral-pension-scheme\">Eligibility Criteria of Saral Pension Scheme <\/a><ul><li class=\"\"><a href=\"\/#required-documents\">Required Documents<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"\/#application-process\">Application Process of Saral Pension Scheme<\/a><\/li><li class=\"\"><a href=\"\/#pricing-bands\">Pricing Bands<\/a><\/li><li class=\"\"><a href=\"\/#contact-details\">Contact Details<\/a><ul><li class=\"\"><a href=\"\/#headquarters\">Headquarters:<\/a><\/li><li class=\"\"><a href=\"\/#delhi-office\">Delhi Office:<\/a><\/li><li class=\"\"><a href=\"\/#mumbai-office\">Mumbai Office:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"overview-of-saral-pension-scheme-2025\"><strong>Overview of Saral Pension Scheme 2025 <\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Scheme Name<\/strong><\/td><td><strong>Saral Pension Scheme 2025<\/strong><\/td><\/tr><tr><td>Regulatory Authority<\/td><td>Insurance Regulatory and Development Authority of India (IRDAI)<\/td><\/tr><tr><td>Primary Objective<\/td><td>Providing regular income to senior citizens post-retirement<\/td><\/tr><tr><td>Eligibility<\/td><td>Indian citizens aged 40 to 80 years<\/td><\/tr><tr><td>Official Website<\/td><td>[LIC or respective insurance company\u2019s website]<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/edugic.com\/wp-content\/uploads\/2025\/07\/Thumbnails-2024-07-19T121236.013-1024x576.png\" alt=\"Saral Pension Yojana\" class=\"wp-image-189\" style=\"width:422px;height:auto\"\/><\/figure>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"key-dates-of-saral-pension-yojana-2025\"><strong>Key Dates of Saral Pension Yojana 2025 <\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Launch Date: Update <\/li>\n\n\n\n<li>Last Date: Not yet announced<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"key-features-of-saral-pension-scheme\"><strong>Key Features of Saral Pension Scheme <\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Single Premium Immediate Annuity Plan<\/li>\n\n\n\n<li>Non-participating and Non-linked policy<\/li>\n\n\n\n<li>Two Annuity Options Available:\n<ol class=\"wp-block-list\">\n<li>Lifetime Pension + 100% Purchase Price Return: Nominee receives the invested amount after the policyholder\u2019s death.<\/li>\n\n\n\n<li>Joint Life Annuity: Spouse continues receiving the same pension after the policyholder\u2019s death. After both pass away, the purchase price is given to the nominee.<\/li>\n<\/ol>\n<\/li>\n\n\n\n<li>Payment Options: Monthly, Quarterly, Half-Yearly, or Yearly<\/li>\n\n\n\n<li>Surrender Option: Available after 6 months<\/li>\n\n\n\n<li>Loan Facility: Available after 6 months<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-saral-pension-yojana\"><strong>Benefits of Saral Pension Yojana<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Guaranteed lifelong regular pension<\/li>\n\n\n\n<li>Financial security for family after the policyholder\u2019s death<\/li>\n\n\n\n<li>Option to surrender policy after 6 months in case of emergencies<\/li>\n\n\n\n<li>Tax benefits under Section 80CCC and 10(10A)(iii) of the Income Tax Act, 1961<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"premium-calculator\"><strong>Premium Calculator<\/strong><\/h2>\n\n\n\n<p>Premium calculation depends on:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Details<\/strong><\/td><td><strong>Information<\/strong><\/td><\/tr><tr><td>Payment Mode<\/td><td>Monthly, Quarterly, Half-Yearly, Yearly<\/td><\/tr><tr><td>Minimum Annuity<\/td><td>Monthly \u20b91000, Quarterly \u20b93000, Half-Yearly \u20b96000, Yearly \u20b912000<\/td><\/tr><tr><td>Loan Facility<\/td><td>Available after 6 months<\/td><\/tr><tr><td>Cancellation Policy<\/td><td>15 days (Offline) \/ 30 days (Distance Marketing)<\/td><\/tr><tr><td>Payment System<\/td><td>Paid in arrears (First payment as per chosen mode)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-criteria-of-saral-pension-scheme\"><strong>Eligibility Criteria of Saral Pension Scheme <\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Age Limit<\/td><td>Minimum 40 years, Maximum 80 years<\/td><\/tr><tr><td>Minimum Investment<\/td><td>\u20b91000 (Monthly Annuity)<\/td><\/tr><tr><td>Maximum Limit<\/td><td>No upper limit<\/td><\/tr><tr><td>Residency Status<\/td><td>Must be an Indian citizen<\/td><\/tr><tr><td>Purchase Source<\/td><td>LIC or other IRDAI-approved insurance companies<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"required-documents\"><strong>Required Documents<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Aadhaar Card<\/li>\n\n\n\n<li>Address Proof<\/li>\n\n\n\n<li>Bank Account Details<\/li>\n\n\n\n<li>Income Proof<\/li>\n\n\n\n<li>Birth Certificate<\/li>\n\n\n\n<li>Ration Card<\/li>\n\n\n\n<li>Passport-sized Photo<\/li>\n\n\n\n<li>Mobile Number<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"application-process\"><strong>Application Process of Saral Pension Scheme<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the <strong>official website <\/strong>of the insurance company (e.g., LIC).<\/li>\n<\/ol>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" src=\"https:\/\/edugic.com\/wp-content\/uploads\/2025\/07\/20210708_LIC_Saral_Pension.png\" alt=\"Saral Pension Scheme 2025\" class=\"wp-image-191\"\/><\/figure>\n<\/div>\n\n\n<ol class=\"wp-block-list\">\n<li>Click on the &#8220;<strong>Saral Pension Scheme 2025&#8243; link<\/strong>.<\/li>\n\n\n\n<li>Fill out the application form on the new page.<\/li>\n\n\n\n<li>Upload scanned copies of required documents.<\/li>\n\n\n\n<li>Submit the application.<\/li>\n\n\n\n<li>Once approved, the policy will be activated.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pricing-bands\"><strong>Pricing Bands<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Purchase Price Range<\/strong><\/td><\/tr><tr><td>Band 1<\/td><td>Below \u20b92,00,000<\/td><\/tr><tr><td>Band 2<\/td><td>\u20b92,00,000 \u2013 \u20b95,00,000<\/td><\/tr><tr><td>Band 3<\/td><td>\u20b95,00,000 \u2013 \u20b910,00,000<\/td><\/tr><tr><td>Band 4<\/td><td>\u20b910,00,000 \u2013 \u20b925,00,000<\/td><\/tr><tr><td>Band 5<\/td><td>\u20b925,00,000 or above<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"contact-details\"><strong>Contact Details<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"headquarters\"><strong>Headquarters:<\/strong><\/h4>\n\n\n\n<p>IRDAI<br>Survey No. 115\/1, Financial District,<br>Nanakramguda, Gachibowli, Hyderabad \u2013 500032<br>Phone: +91-40-20204000 \/ 39328000<br>Email: <a href=\"https:\/\/mailto:irda@irdai.gov.in\/\">irda@irdai.gov.in<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"delhi-office\"><strong>Delhi Office:<\/strong><\/h4>\n\n\n\n<p>Jeevan Tara Building, Gate No. 3, Parliament Street,<br>New Delhi \u2013 110001<br>Phone: (011) \u2013 2344 4400<br>Email: <a href=\"https:\/\/mailto:irdandro@irdai.gov.in\/\">irdandro@irdai.gov.in<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"mumbai-office\"><strong>Mumbai Office:<\/strong><\/h4>\n\n\n\n<p>Royal Insurance Building, J. Tata Road,<br>Near Churchgate, Mumbai \u2013 400020<br>Phone: 022 \u2013 22898600<br>Email: <a href=\"https:\/\/mailto:irdamro@irdai.gov.in\/\">irdamro@irdai.gov.in<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"conclusion\"><strong>Conclusion<\/strong><\/h3>\n\n\n\n<p>If you are between 40 and 80 years old and want a guaranteed monthly income after retirement, the Saral Pension Scheme 2025 is a secure and reliable option. Apply online today and secure your financial future!&nbsp;<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Saral Pension Scheme 2025 :- If you are a senior citizen planning a secure future after retirement, the Saral Pension Yojana 2025 could be a beneficial option for you. This scheme is offered by various insurance companies in India and is mandated by the Insurance Regulatory and Development Authority of India (IRDAI). This article covers &#8230; <a title=\"Saral Pension Scheme 2026 \u2013 Online Application, Calculator, Interest Rate &amp; Benefits\" class=\"read-more\" href=\"https:\/\/edugic.com\/?p=188\" aria-label=\"Read more about Saral Pension Scheme 2026 \u2013 Online Application, Calculator, Interest Rate &amp; Benefits\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-188","post","type-post","status-publish","format-standard","hentry","category-latest"],"_links":{"self":[{"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/posts\/188","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/edugic.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=188"}],"version-history":[{"count":1,"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/posts\/188\/revisions"}],"predecessor-version":[{"id":474,"href":"https:\/\/edugic.com\/index.php?rest_route=\/wp\/v2\/posts\/188\/revisions\/474"}],"wp:attachment":[{"href":"https:\/\/edugic.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=188"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/edugic.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=188"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/edugic.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=188"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}