Atal Pension Yojana (APY) Is A Pension Scheme Launched By The Authorities Of India For The Profit Of People, Particularly These Working In The Unorganised Sector. The Scheme Was Launched In 2015 And Changed The Beforehand Launched Authorities Scheme, Swavalamban Yojana. The Underlining Goal Of This Scheme Is To Present Social And Monetary Safety To Individuals In Their Previous Age By Enabling Them To Make Common Financial savings Throughout Their Productive Years.

Atal Pension Yojana Goals At Offering Minimal Assured Month-to-month Pension After The Age Of 60 Years In Completely different Slabs Viz. Rs. 1,000, Rs. 2,000, Rs. 3,000, Rs. 4,000 And Rs. 5,000. Aside From Employees In The Unorganised Sector For Which The Scheme Is Extremely Useful, Workers From The Personal Sector Can Additionally Apply For APY To Avail Its Quite a few Benefits. The Pension Quantity Will Be Fastened Relying On The Age Of The Subscriber And The Contribution Made By Him Or Her.

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A Subscriber’s Partner Is Entitled To Declare The Pension Quantity Beneath The Atal Pension Yojana Upon His Or Her Dying. The Partner Have Two Choices Earlier than Them If A Subscriber Dies Earlier than Finishing The Age Of 60 Years – To Exit The Scheme And Declare The Whole Pension Quantity Or Proceed With The Scheme For The Remaining Interval. In Case Of Dying Of Each The Subscriber And The Partner, The Collected Pension Quantity Can Be Claimed By The Nominee. In Accordance With The Funding Sample Set By The Authorities,

The Collected Quantity Beneath APY Is Managed By The Pensions Funds Regulatory Authority Of India (PFRDA). The Central Authorities Additionally Co-Contributes 50% Of The Whole Contribution Or Rs. 1,000 Per Annum, Whichever Is Decrease, To Every Eligible Subscriber Who Joined The Scheme Between Earlier than 31st December 2015, For Monetary 12 months 2015-16 To 2019-20. This Is Relevant If Subscribers Are Not Earnings Tax Payers Or Half Of Any Different Social Safety Scheme.


The Atal Pension Yojana Is An Glorious Saving Scheme For People And Presents Ample Advantages At A Time When A Individual’s Earnings-Incomes Capability Is Low. The Financial savings Made By means of This Scheme Permits Individuals To Deal With Rising Value Of Dwelling And Lead A Dignified Life Even After Retirement. Some Of The Benefits Of APY Are Given Under:

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  1. The Subscribers Can Enhance Their Premium As Per Their Alternative And Can Look Ahead To Big Month-to-month Pension Quantities, Ranging Between Rs. 1,000 And Rs. 5,000, By Making Important Contributions.
  2. Common Updates Such As Standing Of Contribution Are Offered To The Subscribers Through SMS Alerts And Bodily Account Assertion.
  3. The Account Is Transportable And Will Be Linked To Financial institution Account So That The Subscriber Can Function It From Wherever In The Nation.
  4. APY Is An Reasonably priced Scheme And Is Obtainable At Extremely-Low Value And Funding Can Be As Low As Rs. 42 Per Month, Offered The Age At Entry Is 18 Years.
  5. It Is Regulated By PFRDA With Clear Funding Norms. The Cash Contributions Made By Subscribers Of APY Are Maintained Safely.
  6. At The Time Of Funding, People Can Declare Earnings Tax Profit Of Up To Rs. 1.5 Lakh Beneath The Part 80C Of The Earnings Tax Act Of 1961. Furthermore, They Can Additionally Avail Deductions Of Up To Rs. 50,000 Beneath Part 80CCD (1B).


To Avail The A number of Advantages Of Atal Pension Yojana Scheme, People Ought to Meet The Eligibility Standards, As Talked about Under:

The Subscribers Of The Atal Pension Yojana Scheme Ought to Be A Citizen Of India.

The Minimal Age Of An Particular person Making use of For The Scheme Is 18 Years And Most Age Is 40 Years. If An Particular person Joins At The Age Of 40 Years To Avail A Month-to-month Pension Of Rs. 1,000, He Or She Is Required To Contribute A Larger Quantity Than These Becoming a member of At 18 Years.

The Subscribers Should Make Common Contributions For A Minimal Of 20 Years, Relying On Their Age At Entry And Pension Slab Chosen.

The Potential Candidates Of The APY Scheme Ought to Have A Legitimate Cellular Quantity And A Financial institution Account Linked To Their Aadhar Quantity. This Is An Necessary Requirement Throughout The Registration Course of And To Get Periodic Updates On The APY Account.


  • Beneath the APY, there may be assured minimal month-to-month pension for the subscribers ranging between Rs. 1000 and Rs. 5000 per 30 days.
  • The advantage of minimal pension can be assured by the GoI.
  •  GoI will even co-contribute 50% of the subscriber’s contribution or Rs. 1000 every year, whichever is decrease. Authorities co-contribution is obtainable for many who
    aren’t coated by any Statutory Social Safety Schemes and isn’t revenue tax payer.
  • GoI will co-contribute to every eligible subscriber, for a interval of 5 years who joins the scheme between the interval 1st June, 2015 to 31st December, 2015. The
    profit of 5 years of presidency Co-contribution below APY wouldn’t exceed 5 years for all subscribers together with migrated Swavalamban beneficiaries.
  • All checking account holders might be part of APY.


Banks are required to gather extra quantity for delayed funds, such quantity will differ from minimal Re 1 per 30 days to Rs 10/- per 30 days as proven under:

  • Re. 1 per 30 days for contribution upto Rs. 100 per 30 days.
  • Re. 2 per 30 days for contribution upto Rs. 101 to 500/- per 30 days.
  • Re 5 per 30 days for contribution between Rs 501/- to 1000/- per 30 days.
  • Rs 10 per 30 days for contribution past Rs 1001/- per 30 days.

The mounted quantity of curiosity/penalty will stay as a part of the pension corpus of the subscriber


Discontinuation of funds of contribution quantity shall result in following:

  • After 6 months account shall be frozen.
  • After 12 months account shall be deactivated.
  • After 24 months account shall be closed.

Subscriber ought to make sure that the Checking account to be funded sufficient for auto debit of contribution quantity.


On Attaining The Age Of 60 Years:

The Exit From Atal Pension Yojana Is Permitted At The Age With 100% Annuitisation Of Pension Wealth. On Exit, Pension Would Be Obtainable To The Subscriber.

In Case Of Dying Of The Subscriber Due To Any Trigger:

In Case Of Dying Of Subscriber Pension Would Be Obtainable To The Partner And On The Dying Of Each Of Them (Subscriber And Partner), The Pension Corpus Would Be Returned To His Nominee.

Exit Earlier than The Age Of 60 Years:

Exit Earlier than 60 Years Of Age Is Not Permitted Nonetheless It Is Permitted Solely In Distinctive Circumstances, I.E., In The Occasion Of The Dying Of Beneficiary Or Terminal Illness.


Subscribers could make month-to-month contributions as per under given chart. They’re additionally entitled for making contributions on quarterly and half-yearly foundation.

Entry age Remaining years of contribution Month-to-month instalment for Rs. 1,000 month-to-month pension/ corpus quantity Rs. 1.7 lakh Month-to-month instalment for Rs. 2,000 month-to-month pension/ corpus quantity Rs. 3.Four lakh Month-to-month instalment for Rs. 3,000 month-to-month pension/ corpus quantity Rs. 5.1 lakh Month-to-month instalment for Rs. 4,000 month-to-month pension/ corpus quantity Rs. 6.Eight lakh Month-to-month instalment for Rs. 5,000 month-to-month pension/ corpus quantity Rs. 8.5 lakh
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



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Author: Pratham Ahir
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