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Atal Pension Yojana (APY) is a very useful social security scheme for people working in the informal sector. By investing in APY, you get the regular income that you spend after retirement. The central government launched APY in May 2015. Earlier, there was no such scheme for people working in the informal sector.
Under this scheme, it is a pension system for Indian citizens that focuses on workers in the informal sector. The minimum pension will be provided from Rs 1,000 to Rs 5,000 per month at the age of 60 based on the contributions of APY subscribers.
Atal Pension Yojana Details
To apply for this scheme, the beneficiaries must be between 18 and 40 years old, only then can they benefit from this scheme. If any beneficiary wants to join this scheme at the age of 18, he must pay a premium of Rs 210 each month and those who are 40 years old, will have to pay a premium ranging from Rs. 297 to Rs 1,454.
To join Atal Pension Yojana 2020-21, it is necessary for beneficiaries to have a bank account and the bank account must be linked to the Aadhaar card. Those who are income taxpayers and who work in government jobs cannot benefit from this scheme. He’s a beneficiary, he can go to any national bank in India and open a yojana account.
Main Points of Atal Pension Yojana 2020-2021
|Name of Scheme||Atal Pension Yojana – प्रधानमंत्री अटल पेंशन योजना|
|Started by||By the central government|
|Beneficiary||People from unorganized areas of the country|
|An Objective||Pension Grant|
|Official Website||Click Here|
Profit of Atal Pension Yojana – APY
- Only the people of India can benefit from this scheme.
- Under this yojana, only after completing the age of 60, the central government will provide a monthly pension between 1,000 rupees and 5,000 rupees.
- The amount of the pension will be provided under Atal Pension Yojana on the basis of investment and age by the beneficiaries.
- Like the PF account, the government will only contribute to this retirement scheme.
- If you want to pension 1000 rupees every month and you are 18 years old, you must submit a 210 rupee premium every month for 42 years.
- At the same time, people aged 40 years will have to pay a premium ranging from 297 rupees to 1,454 rupees. Only then can they benefit from APY 2020.
What is the procedure for withdrawing funds from APY?
- Age of 60:
Under the APY Scheme, you will not be able to get 100% annual pension benefits until after you reach the age mentioned above. Later, the participant will receive a pension.
- In the event that the subscriber dies for any reason:
upon the death of the subscriber, the pension is granted to both the husband/wife, and upon the death of (the subscriber and the husband), the amount of the pension is returned to a candidate.
- Termination of the plan before the completion of 60 years of age:
It is not permitted to leave the program before the age of 60 except in exceptional circumstances such as terminal illness or the death of the beneficiary.
How much should I invest in APY to get a guaranteed pension scheme?
|Age of Entry||Years of Contribution||First Monthly Pension of Rs.1000/-||Second Monthly Pension of Rs.2000/-||Third Monthly Pension of Rs.3000/-||Fourth Monthly Pension of Rs.4000/-||Fifth Monthly Pension of Rs.5000/-|
How to apply for a profit at Atal Pension Yojana?
- Interested persons who wish to apply under the PM Atal Pension Yojana are the first to open a savings account in any national bank.
- Then fill in all the required information on this scheme application form such as Aadhar card, mobile phone number, etc.
- After filling out the application form, submit it to the bank manager.
- After that, all your messages will be verified and your bank account will be opened under Atal Pension Yojana.
Atal Pension Yojana Toll-Free Number
Under Atal Pension Yojana, you can solve any problems related to you by contacting them.
|State Name||Name Of SLBC Convenor Bank||Toll-Free Number|
|Andhra Pradesh||Andhra Bank||1800-425-8525|
|Andman & Nicobar Island||State Bank of India||1800-345-4545|
|Arunachal Pradesh||State Bank of India||1800-345-3616|
|Assam||State Bank of India||1800-345-3756|
|Bihar||State Bank of India||1800-345-6195|
|Chandigarh||Punjab National Bank||1800-180-1111|
|Chhattisgarh||State Bank of India||1800-233-4358|
|Dadra & Nagar Haveli||Dena Bank||1800-225-885|
|Daman & Diu||Dena Bank||1800-225-885|
|Delhi||Oriental Bank of Commerce||1800-1800-124|
|Goa||State Bank of India||1800-2333-202|
|Haryana||Punjab National Bank||1800-180-1111|
|Himanchal Pradesh||UCO Bank||1800-180-8053|
|Jharkhand||Bank of India||1800-345-6576|
|Madhya Pradesh||Central Bank of India||1800-233-4035|
|Maharashtra||Bank of Maharashtra||1800-102-2636|
|Manipur||State Bank of India||1800-345-3858|
|Meghalya||State Bank of India||1800 – 345 – 3658|
|Mizoram||State Bank of India||1800-345-3660|
|Nagaland||State Bank of India||1800-345-3708|
|Punjab||Punjab National Bank||1800-180-1111|
|Rajasthan||Bank of Baroda||1800-180-6546|
|Sikkim||State Bank of India||1800-345-3256|
|Telangana||State Bank of Hyderabad||1800-425-8933|
|Tamil Nadu||Indian Overseas Bank||1800-425-4415|
|Uttar Pradesh||Bank of Baroda||1800-102-4455 1800-223-344|
|Uttrakhand||State Bank of India||1800-180-4167|
|West Bengal and Tripura||United Bank of India||1800-345-3343|
Frequently Asked Questions (FAQs)
The people at Atal Pension Yojana (APY) are divided into 6 parts. To take advantage of APY, you must be between 18 and 40 years old. To obtain a pension under APY, you must invest for at least 20 years.
The amount of APY’s retirement amount depends on the investment you made and your age. Under Atal Pension Yojana (APY), a monthly pension can be obtained with a minimum of 1,000 rupees and a maximum of 5,000 rupees. From the age of 60, you will start receiving a pension under APY.
These people who fall into the income tax range, are government employees or actually benefit from schemes like EPF, EPS, that can’t become part of Atal Pension Yojana (APY).
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