Scheme or yojna

Atal pension yojana: Middle Class Ke Liye Best Pension Scheme

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Are you a working professional in the unorganized sector looking for financial security after retirement? The Atal Pension Yojana (APY) 2025 might be the perfect government-backed pension scheme for you.

With guaranteed monthly pension benefits ranging from ₹1,000 to ₹5,000, this scheme is designed to ensure financial stability in your old age.

In this blog, we’ll cover everything you need to know about Atal Pension Yojana 2025—its benefits, eligibility criteria, enrollment process, contribution details, and more.

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What is Atal Pension Yojana (APY)

Atal Pension Yojana is a government scheme that helps people working in the unorganized sector get a fixed monthly pension after they turn 60.

It was started by Prime Minister Narendra Modi on 9 May 2015. Under this scheme, people can get a pension between ₹1,000 and ₹5,000 every month, depending on how much they save.

This plan is meant for those who don’t have any other pension support. So far, more than 4 crore people have joined the Atal Pension Yojana, showing that many trust and benefit from it.

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Atal pension yojana scheme

Atal Pension Yojana is a government-backed scheme that provides a monthly pension of ₹1,000 to ₹5,000 after the age of 60. It mainly targets workers in the unorganized sector who lack access to formal pension plans.

The government also contributes to the scheme for eligible low-income subscribers. Its main goal is to offer financial security and encourage savings for retirement.

Guaranteed Monthly Pension: Choose from ₹1,000, ₹2,000, ₹3,000, ₹4,000, or ₹5,000 per month.

Pension Starts at Age 60: You begin receiving the pension once you turn 60.

Spouse Benefits: In case of the subscriber’s death, the same pension amount is given to the spouse.

Lump Sum to Nominee: After the death of both subscriber and spouse, the nominee gets a fixed corpus amount.

Atal pension yojana eligibility

The Atal Pension Yojana (APY) is open to all Indian citizens aged 18 to 40 years with a savings bank account. The applicant must not be a member of any statutory social security scheme.

  • Be an Indian citizen
  • Be aged between 18 to 40 years
  • Have an Aadhaar card and a bank account
  • Not be a taxpayer (those filing income tax returns are ineligible)
  • Drivers, delivery agents, housemaids
  • Small shop owners, farmers, freelancers
  • Platform workers (e.g., gig workers from Swiggy, Zomato)
  • Anyone working in the unorganized sector without formal retirement benefits

Subscriber needs to contribute to the Atal Pension Yojana (APY) will be automatically deducted from their savings bank account at regular intervals—monthly, quarterly, or half-yearly—as chosen by the subscriber. This ensures timely payments without manual deposits.

Important information for APY subscriber

If you stop making payments:

  • After 6 months, your account will be frozen.
  • After 12 months, your account will be deactivated.
  • After 24 months, your account will be closed.

Make sure your bank account has enough balance so the monthly payment can be automatically deducted.

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Amount Delayed charges for APY subscriber

Banks are required to collect additional amount for delayed payments, such amount will vary from minimum Re 1 per month to Rs 10/- per month as shown below:

Contribution AmountCharge for Delay
Up to ₹100 per month₹1 per month
₹101 to ₹500 per month₹2 per month
₹501 to ₹1000 per month₹5 per month
Beyond ₹1001 per month₹10 per month

Atal pension yojana chart

The Atal Pension Yojana (APY) Chart outlines the monthly contribution amounts based on your age and desired pension amount, helping you understand how much you need to invest to secure a specific pension after retirement.

Age of Entry₹1000 Pension₹2000 Pension₹3000 Pension₹4000 Pension₹5000 Pension
18₹42₹84₹126₹168₹210
20₹50₹100₹150₹198₹248
25₹76₹151₹226₹301₹376
30₹116₹231₹347₹462₹577
35₹181₹362₹543₹722₹902
40₹291₹582₹873₹1164₹1454

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Must check the links before atal pension yojana online apply

Before applying online for APY, check essential links like the official NPS website, your bank’s APY page, and the APY subscriber registration form for accurate information and smooth registration.

Apply Date : Always open

Last date : Not given

Online Form : Click here

Offline Form : Click here

Atal pension yojana chart : Click here

Official website : Click here

PDF guidelines : Click here

Helpdesk number/email : 1800-110-069

APY Brochure pdf : Click here

Whatsapp channel: Click here

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Atal pension yojana benefits

The Atal Pension Yojana (APY) benefits include a guaranteed monthly pension after retirement, financial security, and tax advantages, ensuring a stable income for subscribers.

When you turn 60, you get three benefits:

  1. Guaranteed Pension for Life
    You will receive a fixed monthly pension (as selected: ₹1000 to ₹5000) until death.
  2. Same Pension for Spouse
    After your death, your spouse will continue to receive the same pension every month.
  3. Lump Sum to Nominee
    After both you and your spouse pass away, the entire pension amount saved will be given to your nominee.
  4. Contributions made to APY qualify for tax deductions under Section 80CCD(1), similar to the National Pension System (NPS).

1. If Voluntary Exit (Before Age 60)

  • You’ll get only your contributions back + the actual interest earned (after deducting account charges).
  • If you received government co-contribution (available only for subscribers before 31st March 2016), that part and its interest will not be refunded.

2. Death Before Age 60

Option 1:
Your spouse can continue the account in their name and contribute until you would have turned 60. After that, they will get the same pension you chose.

Option 2:
Your spouse or nominee can choose to withdraw the full pension amount accumulated in your account.

How to Apply Online and Offline for Atal Pension Yojana

You can join APY easily either through online or offline by visiting your bank branch and filling out a simple registration form.

How to Apply Offline for Atal Pension Yojana

  1. Visit your bank branch where you have a savings account.
  2. Ask for the APY registration form.
  3. Fill out the form with:
    • Your personal details
    • Pension amount option
    • Nominee information
  4. Attach a copy of your Aadhaar card (if required).
  5. Submit the form to the bank staff.

Here below are the Step-by-step process to apply online APY form.

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Atal Pension Yojana me nominee kaise change karein?

If you want to change your nominee in Atal Pension Yojana (APY), then you can follow the steps given below:

Take APY Subscriber Registration Form – You will have to take “APY Subscriber Modification Form” from your bank. You can download this form from the bank branch or the bank’s official website.

Fill the form and update the nominee details – You will have to fill the new nominee’s name, date of birth, relationship, and nominee’s ID proof details in the form.

Attach the required documents with the form – Attach the new nominee’s ID proof (like Aadhaar card).

Submit the form in the bank – After filling the form and documents, submit it in the bank where you have an APY account.

Bank will give confirmation – The bank will update your nominee details and give confirmation. If you want, you can also verify it in future through APY statement.

Note:- You can change the nominee only if your nominee is no longer alive, or your first nominee is young and you wish to create a new nominee.

Frequently Asked Questions (FAQs)about Atal Pension Yojana

This section answers common queries related to Atl Pension Yojana APY, including eligibility, benefits, contribution details, and how the scheme works.

Q1. What happens to my pension if I die before reaching 60

Ans :- If you die before reaching 60 years under Atal Pension Yojana, your spouse can continue the contributions and receive the pension after turning 60, or choose to exit the scheme and claim the accumulated amount.

Q2. Documents required for apy yojana

Ans :- Aadhaar Card, Savings Bank Account Details, Completed APY Registration Form, Mobile Number, Additional KYC Documents (if required by the bank)

Q3. Atal pension yojana kab start hui thi

Ans :- Atal Pension Yojana ki shuruaat 9 May 2015 ko Pradhan Mantri Narendra Modi ji dwara ki gayi thi.

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