Contents
- 1 Atal Pension Yojana Scheme Introduction
- 2 Government Atal Pension Yojana Scheme Eligibility Conditions
- 3 Government APY Scheme Monthly Contribution Chart
- 4 Atal Pension Yojana Government Scheme Key Features
- 5 APY Scheme Delay Charges
- 6 Atal Pension Yojana Government Scheme Withdrawal
- 7 Govt. Atal Pension Yojana Scheme Forms and Documents
Atal Pension Yojana Scheme Introduction
Atal Pension Yojana Scheme was introduced by Government of India in the year 2015-16. Main aim of starting this Pension Yojana Scheme was to provide income security to society in the old age. This Government Atal Pension Yojana Scheme provides Guaranteed Pension as monthly income after retirement age. Under this APY scheme a guaranteed minimum pension of Rs. 1,000 and upto maximum Rs. 5,000 per month will be given at the age of 60 years which depends on the contributions by the scheme holder.
All account holders who are interested can join under this Government APY Scheme and can pay premium through savings bank account or open a savings bank account to join in this Government Pension Scheme. Premiums are based on the Pension selected by the scheme holder and based on the starting age of APY scheme. Detailed information about Monthly Premiums to be paid, entry age, starting age of Pension and other benefits of Atal Pension Yojana Scheme are given below.
Government Atal Pension Yojana Scheme Eligibility Conditions
| Entry age to join in APY Scheme |
|
| Guaranteed Monthly Pension |
|
| Starting Age to receive Pension |
|
| Contribution Period |
|
| Mode of Paying Premium |
|
| Date of Implementation |
|
| Primary KYC |
|
Government APY Scheme Monthly Contribution Chart
| EntryAge | Number of Years of Paying Contribution (in Years) | Based on Pension Needed, the Monthly Contribution has to Pay in Rs. | ||||
| For Monthly Pension of Rs. 1000 | For Monthly Pension of Rs. 2000 | For Monthly Pension of Rs. 3000 | For Monthly Pension of Rs. 4000 | For Monthly Pension of Rs. 5000 | ||
| 18 | 42 | 42 | 84 | 126 | 168 | 210 |
| 19 | 41 | 46 | 92 | 138 | 183 | 228 |
| 20 | 40 | 50 | 100 | 150 | 198 | 248 |
| 21 | 39 | 54 | 108 | 162 | 215 | 269 |
| 22 | 38 | 59 | 117 | 177 | 234 | 292 |
| 23 | 37 | 64 | 127 | 192 | 254 | 318 |
| 24 | 36 | 70 | 139 | 208 | 277 | 346 |
| 25 | 35 | 76 | 151 | 226 | 301 | 376 |
| 26 | 34 | 82 | 164 | 246 | 327 | 409 |
| 27 | 33 | 90 | 178 | 268 | 356 | 446 |
| 28 | 32 | 97 | 194 | 292 | 388 | 485 |
| 29 | 31 | 106 | 212 | 318 | 423 | 529 |
| 30 | 30 | 116 | 231 | 347 | 462 | 577 |
| 31 | 29 | 126 | 252 | 379 | 504 | 630 |
| 32 | 28 | 138 | 276 | 414 | 551 | 689 |
| 33 | 27 | 151 | 302 | 453 | 602 | 752 |
| 34 | 26 | 165 | 330 | 495 | 659 | 824 |
| 35 | 25 | 181 | 362 | 543 | 722 | 902 |
| 36 | 24 | 198 | 396 | 594 | 792 | 990 |
| 37 | 23 | 218 | 436 | 654 | 870 | 1,087 |
| 38 | 22 | 240 | 480 | 720 | 957 | 1,196 |
| 39 | 21 | 264 | 528 | 792 | 1,054 | 1,318 |
| 40 | 20 | 291 | 582 | 873 | 1,164 | 1,454 |
Atal Pension Yojana Government Scheme Key Features
Main Key features of Government Atal Pension Yojana Scheme are as follows
- Any Citizen of India from un-organized sector can join in this Atal Pension Yojana Scheme.
- Monthly Contribution will be Auto-debited by the bank from the Scheme holder’s account.
- Guaranteed Minimum monthly pension of Rs. 1000 and Maximum Rs. 5000 is given to the scheme holder and spouse with return of corpus to the nominees after 60 years of age.
- Government Co-contribution is 50% of the total contribution amount or Rs. 1000 per annum, whichever is lower, for a period of 5 years.
- In case of Discontinuation of payments
- After 6 months account will be frozen.
- After 12 months account will be deactivated.
- After 24 months account will be closed.
APY Scheme Delay Charges
In case of late payments, banks are required to collect additional amount as penalty. This for delayed payments will vary from minimum Rs. 1 per month to Rs. 10 per month as shown below
- Rs. 1 per month for contribution upto Rs. 100 per month.
- Rs. 2 per month for contribution upto Rs. 101 to 500 per month.
- Rs. 5 per month for contribution between Rs. 501 to 1000 per month.
- Rs. 10 per month for contribution beyond Rs. 1001 per month.
Note: The fixed amount of interest or penalty will remain as part of the pension corpus of the subscriber.
Atal Pension Yojana Government Scheme Withdrawal
On attaining the age of 60 years:
- Exit will be permitted at the age of attaining 60 years only.
- After exit, Pension will start to scheme holder based on his contribution.
In case of death of the Subscriber due to any cause:
- In case of death of scheme holder, pension would be available to the spouse
- On the death of both of them (subscriber and spouse), then the pension corpus would be returned to his nominee.
Exit Before the age of 60 Years:
- In case of exit before 60 years of age then such conditions are not permitted.
- But, in case of death of Scheme holder or terminal disease such cases are exceptional under this APY Scheme.
Govt. Atal Pension Yojana Scheme Forms and Documents
Required documents to join in Atal Pension Yojana Government Scheme are attached below
Atal Pension Yojana Scheme Brochure
Atal Pension Yojana Scheme Circular in English
Atal Pension Yojana Scheme Circular in Hindi
APY Govt Scheme Application form in English
Scheme is good
dear sir
we are intrested to purchased this pension scheme
what is the a.p.y.
Atal Pension Yojna
Atal pension yojna
Atal panson yojna onlion kis tarh hoga Apsan btaea
For how much years applicant can get the pension, is it upto life long of applicant or pension would stopped after certain period.
after the death of Pensioner, pension would given to spouse but what would be the amount and how much years he/she can get it
it is very good for all Indians
mere death ke baad nominee ko kitna milega
I want to join APY for 5000 rs pension my age is 32 year and I contribure 689 PM . Kindly let me know my corpus amount at the age of 60 .
thare pichhe ka kharcha jiman ka mil jyaasi
very good scheme can you tell me my date of birth is 01.06. 1975 I am in eligible in this scheme.
my age is 47 and i am self employed i would like to join atal pension scheme are there any possibily to join by paying additional premium lumpsome at the tme of joining or any other scheme floated the person having higher age above forty.
Yes u are eligible
Dear sir,
I I want to join APY for 5000 rs pension my age is 15.10.1979 year and I bank name Punjab National Bank , IBB Agra.
thanks
Manish Bhradwaj
manishb1979@rediffmail.com
Dear Sir,
APY is a good scheem, if u interested then you can join but firsty u have aadhar number
For Other Enquiry
Priyank Gupta
Genius Service Point
Main Market Near Kali Mandir
Aliganj Etah 207247
Ph. 05740-257048
Direct 80573955550
‘”Government Co-contribution is 50% of the total contribution amount or Rs. 1000 per annum, whichever is lower, for a period of 5 years.”
What is the meaning for above sentence, Whether the policy holder can get pension/spouse up to 5years or till death.
In addition to Ur monthly contribution Govt will also contribute 50% of Ur total contribution amount or Rs. 1000 per annum, whichever is lower, for a period of 5 years.This was done to encourage the citizens contribution for this scheme. who join the APY between the period 1st June, 2015 and 31st December, 2015 and who are not members of any statutory social security scheme and who are not income tax payers. However the scheme will continue after this date but Government Co-contribution will not be available.
Pension is paid for your complete life time on attaining 60 yrs and latter on to Ur spouse. U and Ur wife can contribute for this APY. .
after the death of Pensioner, pension would given to spouse or nominee but what would be the amount and how much years he/she can get it
Aftre my death how much amount give my family.
i join 5000 pension scheme. my age 30years old
please reply me
Can I Chang my nominee after one year
All 3 scheme are very helpful for every Indian and also our countary pls promote it as a social responsibility and target is 95% Indian under the roof of Insurance.
Hamay toh laga modi sarkar anudan badhakar degi lekin bjp apnahi. Nuksan kar rahi hai
desh ki 1 crore se jyada public janti hai swavalamban yojna k bare may
yahi hal raha to kaise chalega swavalamban
K mukable bhout kam pension dey rahi hai modi sarkar public k paise
Se unhe riturn jyada milega future may tabhi risponce milega
karke. Unhe sahara nahi balki umid laga rahi
hai
hai sarkar risponse mushkil hai
It seems to be a good pension scheme . I am intersted to purchase it . Good Job Modi sir
I am intrested in doing this pension pls help me enroll this plan
I am inrested in doing this pls guide to enroll this plan
dear sir
I think it scheme extremely adopted poor who are in middle class family . I am proud of 4 new goverment. May God bless you all politicians who are going in truth and welfare of hindustani.
I want to join APY for 5000 rs pension my date of birth 20-02-1974 . Kindly let me know my corpus amount at the age of 60
whom should i approach in order to open this pension account or how should i open this pension acccount.
Respected Sir,
I am Now 35 Year Running Means Rs. 902.00 per Month*25 Year = Total Amount Rs.2,70,600
But How Many Total Retune After 25 Year.
I m a government employ can I join the skim
Yeah. Exactly its look like that.
amer adhar card nai,ami ki korbo. ami very poor. ami eta korte chai.
My age is 32 year and intrested to join Apy scheme.now my monthly premium is—-& after 60 how much amount return to me.
18 se 40 sal ke logo ke liye yojna hai…. us se jyada umr ke log nahi karenge oh to galat hai hi but……………………sabse badi baat to yeh hai ki koi bhi 18 sal ka ladka 42 sal paisa jama karega our 60 sal complete karke rs 5000 pension lega is amt me us time ek movie ticket ayega……..
this is GOOD,
but small douts in scheme
1 . in case government changes this scheme future tell me sir
2 my date of birth 06-01-1976 pay howmuch.
pls send me sir
SCHEME IS TOO GOOD FOR EVERY ONE IN THE COUNTRY.THANKS TO OUR PM SHREE NARENDRA MODIJI.
Kindly let me know my corpus amount at the age of 60 .
after the death of Pensioner, pension would given to spouse or nominee but what would be the amount and how much years he/she can get it.
Dear Sir,
we are istrested to purchased this atal pension scheme. Pl.help me.
Nise
In case of death of the subscriber before attaining the age of 60 years, will there be a fixed monthly pension to the spouse of the subscriber?
In case of death of the subscriber (before attaining the age of 60 years ) and the death of the spouse also, will there be return of corpus to nominees of subscriber?
In case the spouse of the subscriber dies after receiving the fixed monthly pension for some period, will there be return of corpus to nominees of subscriber?
I am Oct 1975 born. Also i m pay income tex. Can I join it? Can I also ask my wife to join it. She is house wife.
I am my year 32
Please let me know if i am eligible for APY
date of birth 26/08/1974 .
I have completed 40 yrs this year ( 26/8 2014)
5000penson for maturity
I want to do it in two names me & my wife.can I do it? if yes then what would be our family pension?i want to know it in details.
1.if i will not continue it after 10 yr then what would be my pension? now my age is 31.
2.if i will die after 10 yr what would be my family pension & from which yr?
Modi government. Atal Yojana retirement pension.
A Calculation.
@@@@@@@@@@@@@@@@@@@@@@@@
Arrive age. – 18
Years of paying – 42
Rupee paying Rs42 / =
Atal retirement pension Yojana By project
Get a payment of – 17000.00
Monthly pension. – 1000.00
@@@@@@@@@@@@@@@@@@@@@@@@@
Calculation of the Post Office.
Arrive age. – 18
Years of paying – 42
Rupee paying Rs42 / =
Pay at the post office
interest of 8.4% per annum (quarterly
compounded) and recive a amount Rs 193673.00
The sixty-year-old senior at Rs 193673.00
Citizen interest rate of 9.3% per annum.
According to its availability of
Rs through interest
Monthly income 1500.00 / =
??????????????????????????????
Atal Pension Yojna scheme is really very good.Good Job Modi sir.I am 28 years old and i am interested in Rs.5000 monthly contribution scheme.But as per my opinion, the monthly contribution limit would be extended up to Rs.10000 after age of 60 years.Because at that time there is no value of Rs.5000.so kindly do needful.
Bharat Mata ki Jay.
How to open APY Online ?
Age limit should be increase (50)
Dear sir Iam shanmugam Vel from Andaman & Nicobar Islands at present my age is 25, if i pay 902 per month for 35 year in bank total it will be paid in 420months X 902=Rs.378840 my question is suppose suddenlyi got heartattack death then the pension amount who will receive monthly monthly AAM AADMI pARTY or CONGRESS PARTY.
I want a guniun Answer with you because iam confused so much …
Kindly Needfull and oblige
Thanking You
Yours Truly
C.Shanmugavel
Delanipur , Near Ganesh Temple
South andaman
Pin-744102
Ph: =91 9932089586
ager kisi ki death ho jati hai toh iska benfit kise milega or jo nomine hoga use kya kuch milega
I have some doubts please reply me.
1) Now i am not in tax slab, but if i came in this slab than i will be applicable for this Yojna or not.
2)Now i am unmarried, and in write my brother as a nominee but when i married can i change the name of the nominee.
3) 50% of the premium deposited by the govt.for first 5 Yrs., but how we received that funds or the only 50% amount will charge from my account.
4) if i am not in the condition for the payment after 5 or 10 yrs latter than can i get my money back or this amount also not refundable (amount which i deposit in this Scheme.)
5) I also enrolled in two different Yojnas Rs.330/-Amount is deducted form my account. can i also enroll in this Scheme.
Last but not least can i also take any LIC Polyce after taking this scheme or i am not applicable for LIC Polyiec
after death of pensioner how much pension would be paid to spouse and how much will be paid to the children after the death of spouse.what would be the amount paid to the nominee after the death of pensioner and his/her spouse.
Dear Sir,
My age is 39 & I m interested in RS.5000/- per month pension plan.So please reply me after my death which amount will receive my family per month.
it is not clear that, what is the benefit to nominee if a subsriber died within 60 years
the scheme is good. clarify that after death of both subscriber n spouse whether the corpus fund will be given to children r not. please clarify to my e mail
PL. TELL ME IF I SHALL DIED BEFORE 60 YEARS AGE WHAT IS PROCESS IN THIS SCHEME . WHAT IS THE CORPUS OR PENSION TO MY FAMILY.
OR WILL SCHEME BE TERMINATED
OR WHO PAID BALANCE EMI.
Please increase age limit to 50 YEARS …. 40 years is very less
what is the eligible of scheme (incom tax, any association joining).(incase before we are paying tax or after paying tax )
incase both are death he is son/daughter how many year will be get and age relation required.
SIR IN CASE OF DEATH OF POLICY HOLDER (THAT IS ME) BEFORE 60 YEARS THEN WHO WILL GIVE THE REST OF UNPAID PREMIUM?
OR POLICY WILL BE TERMINATED?
AND AFTER THE DEATH OF PENSIONER,PENSION WOULD GIVEN TO NOMINEE OR SPOUSE OR NOT.
Reply
Hi
If I stop the payment before sixty years so will I get my money back
Can we apply for the scheme online?
my age is 35 if my contribution stops by the age of 50 (if my financial position will be weak ) how can i get my contribution from scheme
Atal Pension Yojana
scheme is a very good
scheme
I m an govt.employee can I join the scheme. and if yes after the maturity I want to know the process n place of claim plz.
my police no
reply sir
Apy ka detail
Dear Sir/Madam
Please clarify following.
A central govt married employee who has PRAN number for contributory pension whether his wife can enroll to APY(Atal pension yojana) or not..
if NO
Incase spouse is employed and she also having PRAN and on death of her pension benefit will be given to nominee( Hus/child) then why she can not enroll on APY.
If yes
After joining APY and 60 years she is eligible monthly pension but on death of his husband (central Govt employee) wether she will get husband pension or not. because rs 5000 vs 20000 of More)
my age 49 year i need this scem
my age 49 year i need this scem so iam know how to pay age primmer
Best plan but what is PRAN NUMBER
For how much year i can get the pension, is it upto lifelong of applicant or pension would stopped after certain period.
After the death of the pensioner, pension would given to spouce but what would be the amount and how much year he/she can get it.
If the pension will stop the pay after certain period, the amount will credit to them or not.
bank may from deiya lakin bank sa bol raha hi kaya pan no nahi ara ha hai two mounth ho giya pahala allahabad bank bad may bank of india kaya kara
Hi,
I m tax payer please help me if i can avail the above services or not.
i would like to get 5000 as pension.
Is there any tax deduction benefit available in contribution in APY Scheme
Is Tax deduction benifit available in Atal pension scheme?
Dear Sir/madam,
Kindly confirm the change the plan rate.
Till time my plan Rs 5000/- per month bur change the my plan Rs 3000/-
so kindly response me.
Thanks
Rohit
My Atal Pension Yojana policy no is APY 420520.Policy was started in the month of June 2015,but my July 2015 prenium was not debited due to insufficient fund.Now I am maintaining sufficient balance and would like to pay the premium amount.After June 2015 no deduction has been made in my account.Kindly guide me on the same.
I opened this account, and every month this contribution gets deducted from my account.
But I don’t have received any documents about this policy. Could you please guide me from where I can get my policy details which could include my APY account details.
I also contacted my bank, but they don’t have information about this.
Thanks in advance..
I I want to join APY for 5000 rs pension my age is 15.03.1979 year and I Axis Bank, Jamshedpur, Jharkhand. .
Please reply on My mail id..
Dear sir /Madam
I have a doubt
My age is 29 if i taken Atel pension yojana plan now and if i paid 5-6 years. continuous without fail every month.
Then suppose I died by accident or heart attack at the age of 37-38 then how much pension will get our nominee or spouse ?
and what will be the further action.
Please inform
Thank you
I joined ApY .last 3 months Rs 689 is taking from my account.But I am not interested in this scheame.How can quiet from APY? Can I get the amount taken from account?
Swablamban yojna sahi ha ya atal pension yojna
Dono hi modi ji be suru ki ha
Confuse hu.
Pls reply
My age 34-years. Rs. 824/- deducted from my account every month for Rs.5,000/- pension every month after 26-years.
Please clarify about NPS Trust recovering fee/charge @ 0.01% of AUM on daily accrual basis. How much amount will pay extra per month as charges. kindly delivered a format about the extra charges.
what will happen to the money deposited in A.P.Y if a person dies before 60 or after 60 ?
please intimate the procedure to open ATY account in Post Office.
I would like to surrender my Atal Pension yojana so Please send me surrender form of APY to my email : moonildro10@gmail.com
Thank You.
Regards,
N. Moonildro Singh
Sir I am 42 years old how can I joined pension yogna help me
Apy is very good plan.
Accidental death benefit mentioned as death of beneficiary or specified illnesses but specified illnesses type or name not mentioned.
kindly clearify..
How can I know my APY particulars in online kindly help me
Hello,
Few months before i am joined in APY Scheme, Here after I joined in private company, I am continuing of my EPF every month, And i have policy in LIC,
My Question is:
Now i am eligible or not eligible person for APY ?????????
can i continuing this service?????
If not eligible, How to close my APY Account
Any intelligent can help me…
Dear sir,
I I want to join APY for 5000 rs pension my age is 05.06.1981 year and I bank name State Bank Of India , Vijayawada.
Please Tell me Details How To Secure My Family
Kindly inform me, how to know my account statement in Atal pension scheme. All ready I have open the Atal pension Scheme in Canara Bank,Basistha Chariali Branch,Guwahati,Assam bearing SB A/c no.3282118000021 from July/2015. In Dec./2015 my bank debited Rs.1087/- for two times as on 30.12.2015 & 31.12.2015.
Kindly rectify my accounts and Credited Rs.1087/- in my SB A/c no.3282118000021.
Dear Sir
We want to join atal pension Yojana sceme, but we have some query abouit that
1-if we join atal pension yojana sceme for 5000/-pension sceme, in the meanwhile if sceme holder is death before 60 year tenure like in 50year ,
2-My queation is that pension benefit amount 5000/- will start imidiately to spouse or start after 60 year of spouse age.
Please reply
Regards
Santosh Kumar
09810241693
Natural death cover hai kya is mein
sir suppose, policyholder dead before 60years then what benifits should available what is next process
my dob 13-06-1975
i need this scem so i am know how to pay age primmer
are national pension system accounts transferred to APYscheme ?
For a person of age 39 years , what will be monthly subscription.
If birthdate is may 1975 is dis s applicable now…
Can we take two 5k plan account on single name ….
Is dis plan taken under 80c…so dat we can hav tax benifite
Plz reply
is 5000 minimum pension or maximum..what if our investment earns more than 5000
good scheme
I want to know about term & condition of insurance in case of death of policy holder.
Means after death have nominee to deposit the premium or not?
The sum assured amount will be given to the nominee instantly or in this case any T & C APPLY.
Please clear it.
Sir can i take this policy for my wife in this financial year 2016-17
This is really a helpful scheme for all sectors. Good job govt of India. Keep up the good work. But I am wondering what will be the value of 5000 when I will be 60 years of age. Will that be enough to complete all expenses for a month? I think Govt should think about this and increase the value of 5000 to respective amount at the time of starting of the pension otherwise this has no value for any of us.
Thanks,
Swarup
Hyderabad
Dear Sir,
After 60 years in 5,000 pension series how corpus we will get? Govt. announced INR. 8,00,000 or INR 5,000 pension per month. Is it right or wrong?
Lingala Bijay Kumar, Visakhapatnam.
9705335095
Sir Mere Mother ka APY me account khulwan hai… mujhe jaankari ye chehye ki mere Fathr ki Daeth ho chuki hai.. kya mai apne mother ka ye account kholwa skta hu.. aur nominee mai isme ban skta hu reply me …..
infuture me koi problem to ni hoga…………
plz reply me my mail id—- vs.1996@rediffmail.com
If the subscriber is widow and her daughter is minor then is she get apy and what is the procedure and who will be the nominee
i am interstate to bay Atel pension plan
I am a state government employee.can i join APY scheme?
If I m paying in mumbai in one bank.and after some period I shift to other state and want to continue or change t0 other bank.is it possible to change the bank.?
In case of my death what a amt will pay by government