Are you planning for a secure retirement? The Atal Pension Yojana (APY) is a government-backed pension scheme designed to provide financial stability to Indian citizens after retirement. Whether you’re searching for Atal Pension Yojana online apply, eligibility criteria, or a detailed Atal Pension Yojana chart, this blog post has everything you need to know.
What is Atal Pension Yojana (APY)?
The Atal Pension Yojana (APY) is a social security scheme launched by the Government of India in 2015. It aims to provide a fixed monthly pension to workers in the unorganized sector, ensuring a financially independent retirement. However, any Indian citizen aged 18-40 can apply for the scheme.
Key Features & Benefits of Atal Pension Yojana
- Fixed Monthly Pension: Choose from ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 after turning 60 years old.
- Government Contribution: If you joined before 2016, the government contributed 50% of your total investment for 5 years.
- Tax Benefits: Enjoy tax exemptions under Section 80CCD.
- Auto-Debit Facility: Monthly contributions are auto-debited from your bank account.
- Atal Pension Yojana Calculator: Helps estimate the pension amount based on age and contributions.
Atal Pension Yojana Online Apply – Step-by-Step Process
Applying for Atal Pension Yojana online is a simple process. Follow these steps:
- Visit your bank or post office where you have a savings account.
- Obtain the APY registration form or apply online through your bank’s net banking portal.
- Fill in your Aadhaar number, mobile number, and nominee details.
- Select your contribution amount based on your preferred pension amount.
- Enable auto-debit facility for hassle-free monthly payments.
- Submit the form and start investing for a secure future!
Atal Pension Yojana Chart – Contribution Details
Your monthly contribution depends on your age at the time of joining and the pension amount you choose. Here’s a sample APY chart:
| Age of Entry | Monthly Contribution for ₹1,000 Pension | Monthly Contribution for ₹5,000 Pension |
|---|---|---|
| 18 Years | ₹42 | ₹210 |
| 30 Years | ₹116 | ₹577 |
| 40 Years | ₹291 | ₹1,454 |
Who Can Apply for Atal Pension Yojana?
- Indian citizens aged 18-40 years.
- Must have a savings bank account.
- Aadhaar and mobile number required for registration.
- No other statutory social security scheme should be availed.
Atal Pension Yojana Withdrawal & Exit Policy
- At 60 years: You will receive a fixed monthly pension.
- In case of death: The spouse will continue to receive the pension.
- Early exit: Allowed only in case of permanent disability or death before retirement.
Why Should You Join Atal Pension Yojana?
- Small investment, high returns – as low as ₹42 per month!
- Financial independence post-retirement.
- Secure, government-backed scheme.
- Easy to apply and auto-debit contributions.
Final Thoughts
The Atal Pension Yojana scheme is an excellent opportunity for individuals looking for a safe and guaranteed pension plan. If you’re looking for Atal Pension Yojana in Hindi full details, Atal Pension Yojana calculator, or more, visit your nearest bank or apply online today!
🔔 Secure your future today! Apply for Atal Pension Yojana now.
👉 If you found this blog helpful, do check out my YouTube video on PMSBY here: