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Sunday, 14 February 2016

Atal Pension Yojana APY Scheme Details अटल पेंशन योजना 2016

Recently Central Government of India Launched three most awaited government scheme for welfare of Indian Citizens. First one is Atal pension yojana APY, 2nd is Pradhan Mantri jeevan jyoti Beema yojana PMJJBY and last is Pradhan Mantri Suraksha Beema Yojana PMSBY. Three schemes were launched by government on 9 may 2015. The contributions under APY are invested   MOF. The APY scheme is administered by PFRDA.
Important information regarding Atal Pension scheme as are following * (अटल पेंशन योजना क्या है )
Atal pension scheme provide per month pension to those Indian citizen when they are no longer earning need for pension./ a fixed per month pension will ensure distinguished life in old age.
Fund which will be provided as a pension in 60 year in अटल पेंशन योजना (एपीवाई)  
According to the APY, government will facilate pension for Indian citizen who will complete 60 year minimum age limit. Under this pension scheme minimum pension will be provide 1000, 2000, 3000, 4000, and 5000 per month. This pension will be provide under the plan of   contribution by the subscriber . Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015.
Government will contribute 50% of the total contribution of rs 1000 per annum which is lower to the eligible APY account who join the scheme during the period 1st June, 2015 to 31st December, 2015. The Government contribution will be given for 5 years from FY 2015-16 to 2019-20.
For example you want contribute rs 1000 per year for you pension then government will contribute rs 500 per annum for your pension and this amount will be transfer by the government in your pension account which will be available for your use after completing 60 years. Maximum contribution will given by the government is 1000 per annum.  interested candidates are advised to join this scheme from 1 June 2015 . Last date of joining this pension scheme is 31 December 2015

Eligibility Criteria for Atal pension scheme APY:
Only citizen are eligible for Atal pension scheme.
Age Limit l if you have completed minimum 18 year age limit then you can subscribe for APY. Maximum age Limit is 40 year.
For getting pension subscribe are required a saving bank account. Eligible candidates are required to subscribe a valid mobile no for further communication for APY latest updated. 
Income tax payer is not eligible for this scheme.
All Indian citizens who are covered with any other social security scheme they are also not eligible for this scheme.

How you will contribute your pension amount from your saving account to pension account: your contribution will automatically debit from your bank account and it will be transfer to your pension account. So be careful regarding this and maintain sufficient balance in your bank account. 
In case of insufficient amount is not available in your saving account for contribution of pension scheme on the due date then you are required to pay Penalty / late fee . Additionally amount will be deducted from your account with your pension contribution amount.

Late fee will be as are following
Re. 1 per month for contribution upto Rs. 100 per month.
Re. 2 per month for contribution upto Rs. 101 to 500/- per month.
Re 5 per month for contribution between Rs 501/- to 1000/- per month.
Rs 10 per month for contribution beyond Rs 1001/- per month.

In case of discontinue of your contribution more then 6 month then your account will be frozen after 12 month it will be deactivate. And if you will not contribute within 24 months in your pension account then your account will be closed. 

Pension chart / Contribution chart for getting rs 1000 per month pension in the age of 60 year as are following
Your age
Contribution Duration
Monthly required Contribution
18
42
42
20
40
50
25
35
76
30
30
116
35
25
181
40
20
291

In case you want change your pension contribution plan, and then you can change it only one time in the month of April in any financial year.

Nomination facility: subscriber of APY are required to fill details of Nominee. You are required to submit details of you wife / husband and their Aadhaar card no for Nomination.

Ineligibility for APY Pension Scheme /
Subscriber of EPF employee provide fund and other pensions scheme and Fund like Coal Mine PF, PPF , Assam Teac Plantation Provident fund  , SPF , JKEPF , or any other social security scheme. 

How to apply for Atal Pension scheme APY : 
All those candidates who want subscribe for this APY pension scheme they are required to visit you nearest Bank braced. After that fill application form of APY pension scheme.  Application form / registration form for APY will be available at your nearest bank branches. After filling application form submit the dully filled application form on the counter of your bank. Provide accurate Aadhaar no and mobile for getting your APY. Ensure keeping the minimum account balance in the saving account for transfer of monthly contribution. Check your bank account status, KYC status etc other wise fund will not transferred successfully and you may face problem.
Aadhaar no is not compulsory but don’t forget mentioning Aadhaar no in the registration form APY  . Your Aadhaar no will be helpful in your identification spouse and nominees to avoid pension rights and entitlement related disputes in the long-term.
If you don’t have any saving account in nationalized bank then you are not eligible for this scheme. So try to open you bank account as soon as it would be possible.

How you will get your pension amount; after completing 60 year age limit your pension will be automatically transfer every month in your saving bank account. 
In case of death of subscriber, this pension will be providing to the spouse and death of both the pension will be returned to his nominee.
If can only exit from this scheme in special condition in death of subscribe or Terminal diseases. 
Details of you contribution will be send through SMS on your registered mobile no. you can alos get a physical statement from you bank.

Indicative APY Contribution Chart (Age wise) Atal Pension yojana in Hindi Details, Application form, Calculator, 

Age Entry
Years of Contribution
Monthly pension of  Rs. 1000.
Monthly pension of 2000.
Monthly pension of Rs. 3000.
Monthly pension of Rs. 4000.
Monthly pension of Rs. 5000.
18
42
42
84
126
168
210
19
41
46
92
138
183
228
20
40
50
100
150
198
248
21
39
54
108
162
215
269
22
38
59
117
177
234
292
23
37
64
127
192
254
318
24
36
70
139
208
277
346
25
35
76
151
226
301
376
26
34
82
164
246
327
409
27
33
90
178
268
356
446
28
32
97
194
292
388
485
29
31
106
212
318
423
529
30
30
116
231
347
462
577
31
29
126
252
379
504
630
32
28
138
276
414
551
689
33
27
151
302
453
602
752
34
26
165
330
495
659
824
35
25
181
362
543
722
902
36
24
198
396
594
792
990
37
23
218
436
654
870
1,087
38
22
240
480
720
957
1,196
39
21
264
528
792
1,054
1,318
40
20
291
582
873
1,164
1,454

ATAL Pension Yojana Basic Details in Hindi   अटल पेंशन योजना (एपीवाई)  :
अटल पेंशन योजना के अंतर्गत अंशदाताओं को 60 वर्ष की आयु पूरी होने पर 1000 रुपये से लेकर 5000 रुपये तक प्रतिमाह पेंशन मिलेगी, जो उनके अंशदान पर निर्भर करेगी। यह अंशदान किसी व्यक्ति के योजना में शामिल होने के समय उसकी आयु के अनुसार निर्धारित किया जाएगा। केंद्र सरकार पात्र अंशदाता के खाते में हर वर्ष कुल अंशदान का आधा हिस्सा अथवा 1000 रुपये, इनमें जो भी कम हो, जमा कराएगी। यह अंशदान 31 दिसम्बर, 2015 से पहले नई पेंशन योजना (एनपीएस) में शामिल होने वाले अंशदाताओं के खाते में 5 वर्ष अर्थात 2015-16 से 2019-20 तक जमा कराया जाएगा। किसी भी वैधानिक सामाजिक सुरक्षा योजना के सदस्य और आयकरदाता इस योजना के लाभार्थी नहीं बन सकेंगे। अंशदाता की मृत्यु होने की स्थिति में उसकी पत्नी/पति को पेंशन मिल सकेगी और उसके बाद पेंशन निधि नामित व्यक्ति को लौटा दी जाएगी। अटल पेंशन योजना में शामिल होने के लिए न्यूनतम आयु 18 वर्ष और अधिकतम आयु 40 वर्ष होगी। सरकार न्यूनतम नियत पेंशन लाभ की गारंटी प्रदान करेगी।
 Pradhan Mantri Suraksha bima yojana In Hindi2016
Official Toll free help line Phone No / customer care no: 18001024455   or 1800223344
Official website is : www.jansuraksha.gov.in and www.financialservices.gov.in 

National Toll-Free - 1800-180-1111 / 1800-110-001    
Download official Information Bulletin of APY https://npscra.nsdl.co.in/download/non-government-sector/all-citizens-of-india/forms/APY-FAQs.pdf
Download state wise Toll free No http://jansuraksha.gov.in/PDF/STATEWISETOLLFREE.pdf   
Download application Form http://www.jansuraksha.gov.in/Files/APY/ENGLISH/APPLICATIONFORM.pdf 
Download Claim Form http://www.jansuraksha.gov.in/Files/APY/HINDI/CLAIMFORM.pdf

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7 comments:

  1. The scheme seems tobe highly rewarding .If u are 30 years old and enroll for the sheme of getting Rs 5000 PM after 60 years of age,u contribute every month Rs 577.Your total contribution for 360 months would be Rs 207720. Say u live upto the age of 80 and you have recieved Rs 12,00,000 in total for 240 months. There after your spouse will continue to recieve Rs.5000 PM till her death. After the spouse death the nominee would recieve Rs.850000.
    A recurring deposit with Rs.600.PM for 30years would fetch u a maturity amount of Rs 1343817. But the interest earned on this deposit attracts income tax every year.

    ReplyDelete
  2. if subcriber death occur within 5 yrs what happen

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  3. A state Govt.Employee'wife is entitled for Atal Pension Yojana. She is 39 years old now.Please reply.

    ReplyDelete
  4. Respected Prime Minister,
    Very much thankful for the schemes like Atal Pension Yojana.
    I would request your good self to implement this kind of scheme for senior citizens also who needs it very much and who reserved it...Dharma Rao N...

    ReplyDelete
  5. if 1subcriber monthly 990/- paid to APY but subcriber was death occur within 2 yrs what happen

    ReplyDelete
  6. अगर 59 वर्ष में मृत्यू हो जाती है तो नोमनी क्या मिलेगा जमा रूपेय पर ब्याज या 1•7 लाख

    ReplyDelete
    Replies
    1. जमा रकम ब्याज सहित

      Delete