Atal Pension Yojana; Invest Rs 577 Rupees Per Month From Age Of 30 To Get Rs 5000 Monthly Pension

Atal Pension Yojana; Invest Rs 577 Rupees Per Month From Age Of 30 To Get Rs 5000 Monthly Pension, India's Best Investment Scheme For Post-Retirement

Atal Pension Yojana (APJ), Best Post-Retirement Pension Scheme
Atal Pension Yojana; Invest Rs 577 Rupees Per Month From Age Of 30 To Get Rs 5000 Monthly Pension

Atal Pension Yojana (APJ) is a Pension Scheme Run by Government Of India (GOI) and regulated by Pension Fund Regulatory And Development Authority (PFRDA). Central Government and State government has abolish pension for employee got employment after 2005. They will not get pension from government. So central government has lunched pension plans such as Atal Pension Yojana (APY) and National Pension Scheme (NPS) for people who are employed in government or private sector. They can invest money either of two scheme to get pension after 60 years of age or post-retirement.


Eligibility To Open Atal Pension Yojana (ATY):

Any Indian citizen between age group 18-60 years can invest in the Atal Pension Yojana (ATY) scheme. Any Indian citizen working or not working any where can invest in this central government scheme, but they should have valid bank account number to invest in the scheme.

Investors who have invested in the Atal Pension Yojana scheme will get the benefits after retirement or after 60 years of age. In this scheme investors have to invest as per their age group but have to invest till 60 years of age. If one start investing from 18 years of age then they have to invest till 60 years of age I.e 42 years have to invest in the scheme to get the benefits. Likewise 19 years old investors will invest 41 years, 20 years old investors will invest 40 years, then  according to age group investment years will decrease till 60 years of age. 

Investors age group 18-40 years will receive maximum benefits from Atal Pension Yojana (ATY). As their investment years are more as compare to investors age group between 41-60 years.

Benefits Of Atal Pension Yojana:

Investors receive monthly pension till their death. In case of the death of the investor the spouse will receive pension till his or her death. In case death of both investor and investors spouse, the entire investment and maturity money will be transferred to account of the nominee.

How much money get in monthly pension ? According to investors age group and amount invested in the central government scheme:-


For Age Group 18-19 Years:

Monthly Contribution/Monthly Pension:- Rs 210/ Rs 5000

For Age Group 20-24 Years:

Monthly Contribution/Monthly Pension:- Rs 248/ Rs 5000

For Age Group 25-29 Years:

Monthly Contribution/Monthly Pension:- Rs 376/ Rs 5000

For Age Group 30-34 Years:

Monthly Contribution/Monthly Pension:- Rs 577/ Rs 5000

For Age Group 35-39 Years:

Monthly Contribution/Monthly Pension:- Rs 902/ Rs 5000

For Age Group 40 Years:

Monthly Contribution/Monthly Pension:- Rs 1454/ Rs 5000

From Atal Pension Yojana (APY) chart you can observe, if the investor is late in opening Atal Pension Yojana (APY) account then the monthly investment contribution is increasing gradually. This means, it is better to open APY account at the age of 18 as it gives maximum 42 years for contribution leads to least monthly contribution.

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