Atal Pension yojana (APY) 2022


The Atal Pension Yojana (APY) is a Pension Scheme Presented by the Government of India for the benefit of individuals, especially those working in the informal sector. The Program was launched in 2015 and Replaced the previously launched Government Program, Swavalamban Yojana. The overarching goal of this program is to provide social and financial security for older persons by enabling them to save every year during their productive years.

Atal Joana Pension Aims To Provide A Guaranteed Monthly Pension After 60 Years On Different Slabs Viz. Rs. 1,000, Rs. 2,000, Rs. 3,000, Rs. 4,000 and Rs. 5,000. In addition to employees in the informal sector that benefit the most, private sector employees can also apply to APY to reap the benefits. The pension will be adjusted according to the age of the registrant and the contribution made by him or her.

The Partner of a Registered Person Has the Right to Claim Pension Benefits Under Atal Yojana Pension After His Death. Your Spouse Has Two Choices Before Her If A Subscriber Dies Before The Age Of 60 – Getting Out Of The Scheme And Claiming All Pensions Or Continuing With A Remaining Plan. In the event of the death of both the Registrar and the Spouse, the amount of pension collected may be claimed by the nominee. In line with Government Investment Pattern,

The amount collected under APY is held by the Pensions Funds Regulatory Authority Of India (PFRDA). The Central Government also Donates 50% of the total contribution or Rs. 1,000 Annual, Any Less, For A Eligible Registered Person Joining The Program Before Before 31 December 2015, the Fiscal Year 2015-16 to 2019-20. This Applies If Registrants Are Not Income Taxpayers Or Part Of Any Other Social Security Scheme.

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Benefits of Atal Pension Yojana

Atal Pension Jojana Is an Excellent Saving Program for Individuals and Provides Enough Benefits at a Time When Personal Income is Low. The savings made by this scheme enable people to cope with the rising cost of living and live a dignified life even after retirement. Some of the benefits of APY are provided below:

Subscribers can increase their premium as their choice and can look forward to a large monthly pension, ranging from between Rs. 1,000 and Rs. 5,000, By Making Important Contributions.
Regular Updates As A Donation Statement Are Provided To Subscribers By SMS Notifications And Physical Account Statement.
The Account Is Portable And Will Be Linked To A Bank Account So That The Registrar Can Use It Anywhere In The Country.
APY is an Affordable Plan and Available at Very Low Costs and Investments May Be Less Than Rs. 42 Monthly, Subject to Age of Entry 18 Years.
Regulated by the PFRDA With Clear Investment Principles. Money Donations Made by APY Subscribers Are Safe.
During the Investment Period, individuals may claim a tax benefit of up to Rs. 1.5 Lakh Under Section 80C of the Income Tax Act of 1961. In addition, they can also use a deduction of up to Rs. 50,000 Under Section 80CCD (1B).

Atal Pension Yojana (APY) Eligibility

In order to reap the many benefits of the Atal Pension Yojana Scheme, Individuals Must Meet the Qualifications Requirements, As Listed Below:

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Registrars of Atal Pension Yojana Scheme Must Be Indian Citizen.

The minimum age of the applicant is 18 years and the maximum age is 40 years. If Each Join At The Age Of 40 To Get A Monthly Pension Of Rs. 1,000, He Or She Is Required To Donate A Higher Price To Those Joining 18 Years.

Subscribers Must Make Regular Contributions For A Period Of 20 Years, Depending On Their Age At Entry And Pension Slab Selection.

Applicants for the APY Program Must Have a Active Mobile Number and a Bank Account Connected to their Aadhar Number. This Is An Essential Requirement During The Registration Process And To Obtain Upload Updates To APY Account.


Under APY, there is a minimum monthly guaranteed pension of subscribers ranging from between Rs. 1000 and Rs. 5000 per month.
The minimum pension benefit will be guaranteed by GoI.
GoI will also offer a joint 50% donor subscription or Rs. 1000 per year, whichever is lower. Government donations are available to those who do
are not covered by any of the official Social Security Schemes and are not taxpayers.
GoI will contribute to each eligible subscriber, for a period of 5 years joining the scheme during the period 1 June 2015 to 31 December 2015.
the five-year benefit of a joint government grant under APY will not exceed 5 years for all registrants including Swavalamban migrant beneficiaries.
All bank account holders may join APY.


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Atal Default Pension Fees

Banks are required to collect additional amounts of late payments, which amount will vary from a small Re 1 per month to Rs 10 / – per month as shown below:

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Re. 1 per month for a donation of up to Rs. 100 per month.
Re. 2 per month for a donation of up to Rs. 101 to 500 / – per month.
Re 5 per month for a donation of between Rs 501 / – to 1000 / – per month.
Rs 10 per month for a contribution of more than Rs 1001 / – per month.
The fixed interest / levy will always be part of the registrar’s pension chamber

Subscriber Important Information:

Termination of donation amount will result in the following:

After 6 months the account will be closed.
After 12 months the account will be closed.
After 24 (TWO FOUR ) months the account will be closed.
The registrant must ensure that the bank account will be adequately funded in order to automatically deduct the contribution amount.

Atal Pension Yojana (APY)

Exit: Atal Pension Jojana
Reaching the Age of 60:

Atal YoJna Pension Retirement Permitted Older People With 100% Payment Of Pension Funds When You Leave, Pension Will Be Available From The Registrar.

In case of death of registrant for any reason:

In the event of the death of the Registered Pensioner will be available to the Spouse and on the death of both (Registrant and Spouse), the Pension Corpus will be returned to the nominee.

Get Out Before the age of 60:

Withdrawal Before the Age of 60 Permits Not Allowed Only in Special Circumstances, I.E., In the event of a Beneficiary Death or a Deadly Illness.

Atal Pension Donation Chart
Subscribers can make monthly donations as provided in the chart below. They also have the right to make quarterly and semi-annual contributions.




GUJARATI BROCHURE : Gujarati_APY_Subscriber_Information_Brochure


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