Atal Pension Yojana Brochure Hindi PDF
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APY is a periodic contribution-based pension plan and promises a fixed monthly pension of Rs 1000/ Rs 2000/ Rs 3000/ Rs 4000 or Rs 5000. Your monthly contribution depends upon the fixed amount of monthly pension you want and the age when you start Contributions end and pension starts at 60 years of age. Therefore, even if you join APY at 40 years of age you need to pay a premium for a minimum of 20 years to avail the pension. The following table elaborates on the monthly contributions based on your pension plan and age.
Eligibility for Atal Pension Yojana
1. An Indian citizen
2. Have a valid bank account
3. Are between 18 and 40 years of age.
Benefits of Atal Pension Yojana
APY provides a guaranteed pension of Rs 1,000 to Rs 5,000 (as explained above) to the subscribers. The scheme also allows a subscriber to decrease or increase the pension amount during the course of the accumulation phase, once a year.
In case of the death of subscribers, the spouse of the subscriber shall be entitled to the same amount of pension till his or her death. And after the demise of both spouse and subscriber, the nominee will be entitled to receive the pension money that the subscriber had accumulated till 60 years of age.
However, if the subscriber dies before 60 years, the spouse will have the choice to either exit the scheme and claim the accumulated amount or continue maintaining the account under the subscriber’s name for the remaining vested years. The spouse of the subscriber shall be entitled to receive the same pension amount as the subscriber until the death of the spouse in the latter case.
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