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.
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 Hindi2021
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
Pradhan Mantri Suraksha bima yojana In Hindi2021
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
8 Comments
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.
ReplyDeleteA 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.
if subcriber death occur within 5 yrs what happen
ReplyDeleteA state Govt.Employee'wife is entitled for Atal Pension Yojana. She is 39 years old now.Please reply.
ReplyDeleteRespected Prime Minister,
ReplyDeleteVery 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...
if 1subcriber monthly 990/- paid to APY but subcriber was death occur within 2 yrs what happen
ReplyDeleteअगर 59 वर्ष में मृत्यू हो जाती है तो नोमनी क्या मिलेगा जमा रूपेय पर ब्याज या 1•7 लाख
ReplyDeleteजमा रकम ब्याज सहित
DeleteHow can withdraw from the scheme
ReplyDelete