Atal Pension scheme
– pension scheme in India targeted at the unorganised sector.
The number of subscribers under Atal Pension Yojna has crossed one crore mark while total assets under management have soared to Rs 1 lakh crore.
“Currently, Atal Pension Yojana have more than one crore subscribers with total assets under management (AUM) of Rs 1,00,275 crore,” the Finance Ministry said in a statement.
It is the first step towards achievement of financial security for the common man.The Government has flagged off this new National pension schemes (Atal Pension Yojana) on 9 May 2015 .Post its dispatch, 41,124 individuals have effectively enlisted for the plan as on 11 May 2015.
The plan expects to convey pension advantages to permit individuals to appreciate government security with least investment every month.The scheme holder avail for a fixed pension of INR 1,000 or 2,000 or 3,000 or 4,000 or 5,000 on attaining the age of 60.
The scheme is the better version of National Pension System (NPS).
One of the greatest benefits of the scheme may be enjoyed by the poorer sections of society.
The application form are available in different languages and can be downloaded from http://www.jansuraksha.gov.in/FORMS-APY.aspx.
Unlike the National Pension System (NPS), the endorser has no choice to pick either the speculation example or the annuity reserve.The most important thing if you fail to contribute for six months, your account will be frozen, after 12 months;it will be deactivated, and after 24 months, it would get closed.
How many APY accounts can open individual subscriber?
A subscriber can open only one unique APY account.
The following table shows the Contribution level for Various Pension Options (in INR)
(*Data from Atal Pension Yojna brochure )
Atal Pension scheme
Calculator of contribution for Rs. 1000
| Age of Joining | Years of Contribution | Indicative Monthly Contribution(in Rs.) | Monthly Pension to the subscribers and his spouse(in Rs.) | Indicative Return of Corpus to the nominee of the subscribers (in Rs.) |
| 18 | 42 | 42 | 1,000 | 1.7 Lakh |
| 20 | 40 | 50 | 1,000 | 1.7 Lakh |
| 25 | 35 | 76 | 1,000 | 1.7 Lakh |
| 30 | 30 | 116 | 1,000 | 1.7 Lakh |
| 35 | 25 | 181 | 1,000 | 1.7 Lakh |
| 40 | 20 | 291 | 1,000 | 1.7 Lakh |
Atal Pension Scheme Calculator
of contribution for Rs. 2000
| Age of Joining | Years of Contribution | Indicative Monthly Contribution(in Rs.) | Monthly Pension to the subscribers and his spouse(in Rs.) | Indicative Return of Corpus to the nominee of the subscribers(in Rs.) |
| 18 | 42 | 84 | 2,000 | 3.4 lakh |
| 20 | 40 | 100 | 2,000 | 3.4 lakh |
| 25 | 35 | 151 | 2,000 | 3.4 lakh |
| 30 | 30 | 231 | 2,000 | 3.4 lakh |
| 35 | 25 | 362 | 2,000 | 3.4 lakh |
| 40 | 20 | 582 | 2,000 | 3.4 lakh |
Atal Pension Scheme Calculator of contribution for Rs. 3000
| Age of Joining | Years of Contribution | Indicative Monthly Contribution(in Rs.) | Monthly Pension to the subscribers and his spouse(in Rs.) | Indicative Return of Corpus to the nominee of the subscribers(in Rs.) |
| 18 | 42 | 126 | 3,000 | 5.1 Lakh |
| 20 | 40 | 150 | 3,000 | 5.1 Lakh |
| 25 | 35 | 226 | 3,000 | 5.1 Lakh |
| 30 | 30 | 347 | 3,000 | 5.1 Lakh |
| 35 | 25 | 543 | 3,000 | 5.1 Lakh |
| 40 | 20 | 873 | 3,000 | 5.1 Lakh |
Atal Pension Scheme Calculator of contribution for Rs. 4000
| Age of Joining | Years of Contribution | Indicative Monthly Contribution(in Rs.) | Monthly Pension to the subscribers and his spouse(in Rs.) | Indicative Return of Corpus to the nominee of the subscribers (in Rs.) |
| 18 | 42 | 168 | 4,000 | 6.8 Lakh |
| 20 | 40 | 198 | 4,000 | 6.8 Lakh |
| 25 | 35 | 301 | 4,000 | 6.8 Lakh |
| 30 | 30 | 462 | 4,000 | 6.8 Lakh |
| 35 | 25 | 722 | 4,000 | 6.8 Lakh |
| 40 | 20 | 1164 | 4,000 | 6.8 Lakh |
Atal Pension Scheme Calculator of contribution for Rs. 5000
| Age of
Joining |
Years of Contribution | Indicative Monthly Contribution(in Rs.) | Monthly Pension to the subscribers and his spouse(in Rs.) | Indicative Return of Corpus to the nominee of the subscribers (in Rs.) |
| 18 | 42 | 210 | 5,000 | 8.5 Lakh |
| 20 | 40 | 248 | 5,000 | 8.5 Lakh |
| 25 | 35 | 376 | 5,000 | 8.5 Lakh |
| 30 | 30 | 577 | 5,000 | 8.5 Lakh |
| 35 | 25 | 902 | 5,000 | 8.5 Lakh |
| 40 | 20 | 1,454 | 5,000 | 8.5 Lakh |
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Atal Pension Yojana Transaction Statement Download Online
You can now download the APY Transaction Statement and view by accessing the NSDL-CRAs website i.e. https://www.npscra.nsdl.co.in/ . Following step: The subscriber to select the home menu. Under home menu the subscriber can select the “Atal Pension Yojana’ option. Under…
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Who will get the pension amount if the Scheme holder dies before the age of 60
If the APY policy holder dies before the age of 60, then the nominee will get the pension. But in-case both the nominee and the Scheme holder dies then the legal heir of the nominee will get the whole contribution…
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How can anyone check the status of their Atal Pension Yojana (apy) Scheme Account?
You can get updated about your Atal Pension Yojana (apy) Scheme account in two ways: a. You will receive periodical SMS alerts to the register mobile number.In this case, you will need to include your mobile number while creating APY…
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what is there in case of subscriber’s death…
allow people in the 40-60 age group
can i able to take the amount at a hole.
Comment…25,12,1978 hai mujhe kitna rs. ja am a karna parega atal pension scheme me
date ke bad paisa kisko milega
I am 23 years old, have not any job. If I applied at the Atal pension scheme then I will not be eligible for ppf ! If after that I will receive any job. So which will be helpful for me ?
If you please clear my confusion I will be highly obliged.
Dear sir,
Any one can clarify my doubts, my age is 37 so which table is suitable for me, slab 35 or 40. if they mention 36-40 or 31-35 then it will clear, 35 old slab means up to 35 or from 35 this is my actual doubt. and second doubt for 1000 rupees scheme final amount is 1.7 Laks that means 170 months they will pay, if person live after that govt will pay or not ? Please anyone reply these doubts.
If im working in private i got any ppf scheme will i eligible for this scheme
mera D.O.B. 3.2.1985 AND my Wife 3.2.1994 to kitana amount katega too 60 yeras bad 5000 rupya milega aur kisi admai ka death ho gaya too paisa kisko milega aur kitana hamko shuchana chahiya.
Comment…sir if seving person is death
what is there in case of subscriber’s death ?
I am 42 years old, can this scheme eligible for me.
what would be return on investment i.e rate of interest compare to bank’s RD
AFTER 60 HOW MANY YEARS I WILL GET PENSION? 2.WHETHER LUMP SUM RECEIVED BY NOMINEE ATTRACTS INCOME-TAX
my date of birth is 2-1-1995.I have complited 20year and six month .how the premimum be calculated.I am un married to day so no spouse name can be given can i endorse spouse name subsequntly after marriage.can i change the nominee in case of of death of earlier nominee death.return of corpus is indicative . what is the formulation of calculation of corpus. is there is a death of subscriber prior sixty year. what is the refund amount the nominee will get.The premium can be paid in advance once a year or to be paid on month to month basis.The pension will be credited directly in the savings bank account on which date of month.
there must be provision for withdrawl of money for some emergency purposes as daughter’s marriage,father’s death etc.
1) My age is 39 what amount i have to pay per month to get Rs 5000
2) What if i die before 60 will my get 5000/mo till she is alive.
3) 8.5L will be given to my daughters/nominee only it will not be given to my wife if i die?
4) Can i open pension scheme for my wife as well she also earns, so that after 60 she will also get per own pension of rs 5000
5) If by any chance we would like to close this before turning to 60 can we do that if yes what will we get back?
6) Do we get any Tax benefit for this payments?
I am raning pay 5 years , uski bad not payment mera policy & mera Rupea ka hogs ???
How will I come to know about the balance in my account. Will they give me any passbook?
I am a pvt. employee and participate in EPFO scheme can i also participate in atal pension yojna
WHO IS THE NOMINEE FOR APY. ONLY SPOUSE OR ANY RELETIVE IN PERSON..
Dear all friends,
just why asking same question again again in the site, This scheme is govt scheme you may not possible to withdraw the money before 60 age, so just invest 50% in this scheme and do SIP in equity mutual funds Rs 1000 per month to create super pension. if 23 aged person invested monthly 1000 for next 27 years he will get more then 1 crore returns from the equity scheme. so why simply waiting for the money invest and enjoy the benefits.
Contact for more plan details who are living in bnagalore 9964752416
i think they give pension after 50 age
when both subscribers and nominee are death then paisa kisko melega.
Full detail Hindi Benfit of Atal Pension Yozna scheme & last Full payment after 60 Years.
After 40 years, considering inflation in view, the rupee value will depriciate. Thus Rs 5000 value after 40 years will be equal to Rs 200 value today. We cannot have family meal for a day in Rs 200 today, how we will going to have it in Rs 5000 after 40 years.
My DOB IS 01/01/1975 am I eligible for Aatal Pension Yojana ??????????????
Dear Sir
How can we come to know about the balance in our Atal Pension account. Will they give us any passbook / online pass book / Statement. At the moment we don’t have any documents with the Atal Pension Account Number.
Thanking you
My date of birth is 1-1-1986.I have complited 29 year .how the premimum be calculated.I am un married to day so no spouse name can be given can i endorse spouse name subsequntly after marriage.can i change the nominee in case of of death of earlier nominee death.return of corpus is indicative . what is the formulation of calculation of corpus. is there is a death of subscriber prior sixty year. what is the refund amount the nominee will get.The premium can be paid in advance once a year or to be paid on month to month basis.The pension will be credited directly in the savings bank account on which date of month.
My DOB IS 10/12/1968 am I eligible for Aatal Pension Yojana ?????????????
Hi,
if i want to change the bank after 6 months of scheme, then is it possible?
What happen whose age is above 48 years.
What happen whose age is above 48 years. Please think about them.
Hi ,I want to increase my pension from 5000 to 10000.Is it possible??? can you please advise me .
hum agar nominee change karna chahe to ho sakta he
What about income tax savings
whether at the time of payment to spouse or nominee is it taxable or not
please allow people in age group up to 45,
I submitted my forms last Aug 2015 but my APY has been deducted from this month @the rate of Rs 860/month , but I have not received my PRAN Kit .
Sir,
APy ka account no. nahi mila hai. APY ka total rupes kitna ho raha hai kaise pata hoga’
if my age is 29 year and i take 423 rupes per month so how may year pay this amount
if my age is 29 year and i take 423 rupes per month so how many year pay this amount
Account open to post office
Sir , I am 24 yr at the time of starting this I have not job but I have job with ppf . then which kind of benefits for me from both scheme.
mai kuchh din bad ye yojna nahi chala paoonga to mera bhara huwa paisa ka kya hoga hindi mai bataiga
Agar vah byakti60 vars ke pahale mar jata hai to usaka jitana vailence rahega utanahi milega ki kuchh parsentes badakar ke milega aur kitane deen bad milega
Dear Sir
I have subscribed for APY in the month of Aug-2015 still i have not received PRAN kit so what i should do?
I just asked in the concerned bank. They say they dont have any idea about the PRAN kit
so plz guide me in this regard
Dear friends,
Why are you leaving doubts abt APY here there is no one to answer to your doubts here, Even bank ppl don’t know much abt the scheme.
I’m afraid even the government who launched this scheme knows about the scheme details or not? I have read all the terms and conditions carefully but there are lot of confusion. There is lot of unanswered questions like
1. There is no bond issued at the time of joining.
2. Can the nominee be changed at later stage.
3. In the country where defence ppl are are on strike for their permission what guarantee we have?
4. If a person is already enrolled in PF scheme from the company where he works, can he also join APY
5. There is no way to check the balance .
Dear sir
Rajib pramanik from bangalore now i am 38 years
How i appaly & can u defin me brifly.
Regards
Rajib pramanik
9035871775
Rajib.10204@gmail.com
I’m afraid even the government who launched this scheme knows about the scheme details or not? I have read all the terms and conditions carefully but there are lot of confusion. There is lot of unanswered questions like
1. There is no bond issued at the time of joining.
2. Can the nominee be changed at later stage.
3. There is no way to check the balance .
4. How to get my apy scheme enroll account details .
Sir,my wife is APY account holder,I want need to account detail or passbook.Please suggion give me.
Sir, meri wife ka AYP account h ,uska sirf PRAN number h. eske alawa passbook or card nhi mila h. mujhe kya krna hoga.
What benefit we get if both of spouse take this scheme.
I want to know that what if I die before 60 will my get 5000.00/ month till she is alive ,and 8.5 lakh will given to my nominnee only it will not be given my wife if i die.
Why the cotribution in the scheme increased from the month of feb2016 ?
hi,
Please check my calculation and see if it makes any sense.
Assuming I am 34yrs and opt for 5000rs pension plan.
Age Years Contribution
34 26 824
So basically to get 5000rs after 60 years I need to invest 824rs per month for next 26 years.
26years = 312 months x 824rs = 257088rs (Total invested)
Guaranteed Retunrs after 26years ie at the age of 60 will be 850000rs. (8.50lk is there on the official website)
Which means Total money invested (257088rs)
Returns = 850000rs
Interest received on my investment 257088rs = 330% growth divided by 312 months = 12.69% returns.
12.69% guaranteed returns is very good indeed.
Please suggest me if my calculations are right. Thanks.
How to change the payment duration like monthly,quarterly,half yearly?
MARI DATE OF BRATH 18/02/1978 6E TO MARE 5000 PENSAN JOTU MARE KETLA VARS ANE KETLA SAMAY MATE KETALA RS BHARVA PADE????
Apy NPS scheme dono ko ek sath chala sakte h baad me koi pareshani to nahi hogi apy ka stetus jaane ke liye kiya kuch karna hoga
Pls advise us provided any UNIQUE number for ATAL PENSION SCHEME members . as I am regularly paying past one year .
I am age 43 am i eligible. how to calculate the monthly payment for pension of Rs.5000
Meri age 38 yr hai or mere husband ki age 2nd June ko 40 ki ho gayi hai to kya hum dono plan le sakte hai kitne saal tek bharna hoga
parti jo rupey jma karegi wah rupey use vapish hoga kya
IAM AGE 44 AM I ELIGIBLE TO APY
Dob 13/6/1976 kya me es yojna ko le sakta hu plz. bataye
Hi I would like to open an account for atal pension scheme
Please advice me how can I proceed for the same.
I am a resident of Delhi
sir,
Let me know whether both husband and wife of a family can join the apy.scheme who are un employed now, but trying to get employment.kindly reply in my mail address
mhrawther@gmail.com
Dear Sir, I had a open account of APY from last month.
can i change the nominee at a later stage.
and if suddenly i cant pay contribution after certain period then who has to pay or without any contribution scheme will continue?
and can i open a account on the name of minor and open a 2nd APY accounton my name. and later on i transfer 2nd APY account transfer to on minor namewhen he will be a mejor?
can i do this..
plz help me
YE POLICIES KAHA KHOL SAKATE HAIN PLS INFORM
Dear sir, mene atal pension yojna plan liya hai mai private company me job karti hun agar mera account me kisi month money nahi hoti hai to kya mera AYP account band ho jayega ?
i am working in private company. me EPF is deducted in my salary. i am EPF holder. can i take the ATAl pension yojana. please give me the answer. my age is 40.
Dear Sir,
After completion of premium period at the age of 60, the pension will start on monthly basis, but how can subscriber will get the Indicative Return of Corpus amount.
Sir my age 42
My date of birth is 16 8 1981.what what wilbe my premium for 5000.and after 60 years ,will i get something return also or only pension?give sugestion quickly.
Dear Sir,
My Date of birth 1.07.1972. Can I elligible for Atal Pension Yojna
Suppose if I take a apt, I pay for 10 years, if Iam no more at 50 yrs, 1) than need not make balance period payment for 10 yrs will it be waived and pension will get to nominee.
2) or nominee has to continue the payments.
3) or I want to stop the scheme than will I get back my deposits as on?
i am govt. employee. am i eligible for apy scheme?
mujhe apna primium bdana he me kya kru mere acount se 97 kt jata he me ise or bdana chahta hu
Kya maturity amount 60 year ke bad ek sath mil jaygi
Sir I Am 35 year and Iam join penson yojana last dec-31 2015,but mere Marne ke bad mere wife ko kitna milega aur penson wife ko milega ya nahi
I am 42 year old please conform me con i able to this scheme
sir 60 year se phale agar policy band karni ho to band kar sakte hai kya agar band kar sakte hai to jo hamara balances refund ho sakta hai kya
After activation APY who many year take benefit nominee if Holder expire
TEL ME BRIEFLY IS IT ONE TIME INVESTMENT OR I NEED TO PAY EVERY MONTH? IF I DIE BEFORE 60 AGE WHAT AMOUNT WILL BE GIVEN TO MY WIFE? TILL HOW MUCH PERIOD THAT AMOUNT WILL COME?IF MY WIFE ALSO DIES THEN WHAT NEXT?
AND ALSO WANTS TO KNOW WHICH SCHEME IS BETTER FOR TAX SAVING UNDER NSC? IS IT POST OFFICE OR ANY OTHER RECOMMENDED BANKS?
WHAT IS SHORT TIME INVESTMENTS AND BENEFITS UNDER 80C? PLS GUIDE ME
Ijoind APY at 38 age, now at age 41 I want to increase amount of contributon for 5000 pension. till now I was paying 720 for 3000 pention. so how my new contribution will be calculated, means, if new contribution for 5000 is suppose by chart is 1300 then what about my diposited money till now , will it be deducted are not, what will be formula for new installments of contribution.if i change my contribution this aprail.
How to apply
Hi sir,
I am in private job last 13 years in a company and company also deducted my PF and depositing, and as per PF law after 10 year of job employees pension will be start by PF,so please confirm that if i joined this APY also so both pension will be start without any Interruption. because after 60 year i will be able to receive both pension by PF and by APY
Sir , if want to money after sixty years can we get matured amount