Atal Pension Scheme Calculator

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

asdasdasAtal Pension Scheme Calculator

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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Posted in Atal Pension Scheme | 14 Comments

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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Posted in Atal Pension Scheme | 13 Comments

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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Posted in Atal Pension Scheme | 62 Comments

88 Comments

  1. himanshu

    what is there in case of subscriber’s death…

  2. dr dayanand

    allow people in the 40-60 age group

  3. subrata chakraborty

    can i able to take the amount at a hole.

  4. Baijnath Prasad

    Comment…25,12,1978 hai mujhe kitna rs. ja am a karna parega atal pension scheme me

  5. BRATA CHARI JHA

    date ke bad paisa kisko milega

  6. sayan mukherjee

    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.

  7. Ganesan

    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.

  8. Divya Shenoy

    If im working in private i got any ppf scheme will i eligible for this scheme

  9. alok kumar gupta

    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.

  10. Rajendra kumar sethy

    Comment…sir if seving person is death

  11. Abhay

    what is there in case of subscriber’s death ?

  12. P K Mohanty

    I am 42 years old, can this scheme eligible for me.

  13. dinesh kumar bansal

    what would be return on investment i.e rate of interest compare to bank’s RD

  14. N.VISHWANATHA.PAI

    AFTER 60 HOW MANY YEARS I WILL GET PENSION? 2.WHETHER LUMP SUM RECEIVED BY NOMINEE ATTRACTS INCOME-TAX

  15. kirit c.shah

    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.

  16. Gopal Lal Das

    there must be provision for withdrawl of money for some emergency purposes as daughter’s marriage,father’s death etc.

  17. madhur

    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?

  18. Arsabul Dhali

    I am raning pay 5 years , uski bad not payment mera policy & mera Rupea ka hogs ???

  19. Kavan adani

    How will I come to know about the balance in my account. Will they give me any passbook?

  20. sunil bhat

    I am a pvt. employee and participate in EPFO scheme can i also participate in atal pension yojna

  21. MADAN LAL

    WHO IS THE NOMINEE FOR APY. ONLY SPOUSE OR ANY RELETIVE IN PERSON..

  22. Srinivas

    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

  23. anandi

    i think they give pension after 50 age

  24. ISWAR

    when both subscribers and nominee are death then paisa kisko melega.

  25. Bijay Krishna Prasad

    Full detail Hindi Benfit of Atal Pension Yozna scheme & last Full payment after 60 Years.

  26. Value Investor

    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.

  27. RAJIV CHANDA

    My DOB IS 01/01/1975 am I eligible for Aatal Pension Yojana ??????????????

  28. Rajesh

    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

  29. Mohan Dutta

    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.

  30. SURESH KUMAR SHARMA

    My DOB IS 10/12/1968 am I eligible for Aatal Pension Yojana ?????????????

  31. ankur khant

    Hi,
    if i want to change the bank after 6 months of scheme, then is it possible?

  32. Biseswar Debnath

    What happen whose age is above 48 years.

  33. Biseswar Debnath

    What happen whose age is above 48 years. Please think about them.

  34. B V Ashok

    Hi ,I want to increase my pension from 5000 to 10000.Is it possible??? can you please advise me .

  35. praveendas

    hum agar nominee change karna chahe to ho sakta he

  36. KAMARAJU

    What about income tax savings
    whether at the time of payment to spouse or nominee is it taxable or not

  37. HARVINDER

    please allow people in age group up to 45,

  38. Mac

    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 .

  39. Raju Dangi

    Sir,
    APy ka account no. nahi mila hai. APY ka total rupes kitna ho raha hai kaise pata hoga’

  40. chandra shekhar singh

    if my age is 29 year and i take 423 rupes per month so how may year pay this amount

  41. chandra shekhar singh

    if my age is 29 year and i take 423 rupes per month so how many year pay this amount

  42. raj patel

    Account open to post office

  43. Pravin

    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.

  44. sito mahto

    mai kuchh din bad ye yojna nahi chala paoonga to mera bhara huwa paisa ka kya hoga hindi mai bataiga

  45. santosh prajapati

    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

  46. Vadiraj Tangod

    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

  47. Sharath

    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.

  48. Sharath

    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 .

  49. rajib pramanik

    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

  50. N. Pratheeb Kanna

    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 .

  51. Prakash Dhanoliya

    Sir,my wife is APY account holder,I want need to account detail or passbook.Please suggion give me.

  52. Prakash Dhanoliya ( 9924286202 )

    Sir, meri wife ka AYP account h ,uska sirf PRAN number h. eske alawa passbook or card nhi mila h. mujhe kya krna hoga.

  53. Arvind Kumar Singh

    What benefit we get if both of spouse take this scheme.

  54. MD.ISSA HOQUE

    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.

  55. Archana lanke

    Why the cotribution in the scheme increased from the month of feb2016 ?

  56. John

    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.

  57. Manjunath

    How to change the payment duration like monthly,quarterly,half yearly?

  58. KANTILAL J VARSANI

    MARI DATE OF BRATH 18/02/1978 6E TO MARE 5000 PENSAN JOTU MARE KETLA VARS ANE KETLA SAMAY MATE KETALA RS BHARVA PADE????

  59. Ravinder kumar

    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

  60. R CHANDRA VARHI

    Pls advise us provided any UNIQUE number for ATAL PENSION SCHEME members . as I am regularly paying past one year .

  61. Namratha Suvarna

    I am age 43 am i eligible. how to calculate the monthly payment for pension of Rs.5000

  62. rajni

    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

  63. chandrabhan bank mitra sarva u p gramin bank

    parti jo rupey jma karegi wah rupey use vapish hoga kya

  64. S.RAMESH

    IAM AGE 44 AM I ELIGIBLE TO APY

  65. santosh kumar

    Dob 13/6/1976 kya me es yojna ko le sakta hu plz. bataye

  66. Varun punhani

    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

  67. Muhammed Haneefa Rawther

    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

  68. BANSI GANATRA

    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

  69. AJINATH DEVKATE

    YE POLICIES KAHA KHOL SAKATE HAIN PLS INFORM

  70. Rama Sharma

    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 ?

  71. pramod kumar

    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.

  72. Raj

    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.

  73. Raju Sutle

    Sir my age 42

  74. Sarika singh

    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.

  75. SACHENDRA KUMAR MISHRA

    Dear Sir,

    My Date of birth 1.07.1972. Can I elligible for Atal Pension Yojna

  76. Dilip

    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?

  77. vinay sharma

    i am govt. employee. am i eligible for apy scheme?

  78. amit vani

    mujhe apna primium bdana he me kya kru mere acount se 97 kt jata he me ise or bdana chahta hu

  79. Narender Kumar verma

    Kya maturity amount 60 year ke bad ek sath mil jaygi

  80. Manas ranjan

    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

  81. santosh

    I am 42 year old please conform me con i able to this scheme

  82. Rajesh

    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

  83. Prasannabenia

    After activation APY who many year take benefit nominee if Holder expire

  84. Nagendra M

    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

  85. vineet sharma

    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.

  86. nabaleo7@gmail.com

    How to apply

  87. rawat

    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

  88. Shilpa

    Sir , if want to money after sixty years can we get matured amount

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