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(APY Chart) Atal Pension Yojana Apply Online 2022

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Atal Pension Yojana in Hindi | APY Scheme | Atal Pension Yojana 2022-23 | APY 2022

Prime Minister Shri Narendra Modi in the year 2015 Atal Pension Yojana Earlier, the term pension was being used by linking it to government jobs, but the Atal Pension Yojana provided a guarantee of pension to every citizen of India.

In today’s article, we will talk about what is Atal Pension Yojana, who can take Atal Pension, what is the eligibility criteria for the scheme, how much pension will be available in the scheme, when will the pension be available, and more information we will get in this article. I will share with you.

What is Atal Pension Yojana (APY)?

atal pension scheme

On 1 June 2015, Prime Minister Shri Narendra Modi announced Atal Pension Yojana (APY) under which every citizen of India who is above 18 years of age can enroll himself for pension.

This pension is not related to the pension of the disabled, old or government employees, but it is a general pension scheme which will be given to the youth of India after attaining the age of 60 years.

Whoever wants to apply for this pension, keep it very little every month, you will have to deposit it with the government for pension from your account, after the age of 60, the government will give us every month as a pension. .

I apply, on the basis of the amount deposited every month, the statue pension to be received after the age of 60 years will be determined, which we have discussed in detail in our article.

How much amount will be received in Atal Pension Yojana?

The applicants of Atal Pension Yojana have to choose any one of the five types of pension scheme. 1000, 2000, 3000, 4000 and 5000.

Beneficiaries have to choose any one amount. The same amount will be provided to the beneficiaries every month after the age of 60 years.

Eligibility Criteria for Atal Pension Yojana 2022

To avail the benefits of Atal Pension Yojana, candidates have to fulfill the following conditions which we have described as follows:

  • Applicants must be Indian. Only Indian citizens residing in India can avail the benefit of Atal Pension Yojana (APY).
  • It is mandatory to be of 18 years of age to apply. Youth below the age of 18 years cannot apply for Atal Pension Yojana.
  • The maximum age to apply for Atal pension Yojana is 40 years. Citizens above 40 years of age cannot apply for pension.
  • Any person whether I do government or non-government work, it belongs to organized and unorganized sector, can take advantage of this pension.
  • All such citizens who are associated with any other government help cannot apply.
    • For example, if the workers working in the coal mines have applied in the Coal Mines Provident Fund and Miscellaneous Provisions Act, 1948, the Coal Mines Provident Fund and Miscellaneous Provisions Act, 1948, they cannot apply for Atal Pension again
    • Similarly, employees working in Assam tea garden or working in any other place are associated with any pension scheme, then they cannot apply for Atal Pension Yojana.

Benefits of APY Atal Pension Yojana

After applying in Atal Pension Yojana (APY), the youth will get the following benefits:

  • After the age of 60 years, the amount of 1000 to 5000 rupees will be received by the applicants in the form of pension.
  • The government will guarantee to provide a fixed amount per month to the applicants.
  • In case of death before 60 years, the entire amount will be provided by the bank to the nominee of the applicant.
  • If you want to apply, you can get your pension terminated anytime in the middle and whatever money you have not already deposited for Sun, it will come back to their account after 10-15 days.
  • The younger the age of the applicants, the more benefit they will get.
  • The closer the applicant’s age is to 18 years, the less he will have to pay such a statue as premium.
  • The closer the age is to 40 years, the higher will be the premium of the applicant.

Apply For Atal Pension Yojana 2022

Applying for Atal Pension Yojana is very easy. You can apply for Atal Pension Yojana by following the following steps:

  • First of all you must have a savings account. If you do not have a savings account, then you should have an account inside the post office.
  • You have to go to your bank branch and get the form for Atal Pension Yojana from the manager.
  • Fill the Atal Pension Yojana (APY) form.
  • You have to choose between Monthly / Quarterly / Half yearly to pay the premium.
  • You have to deposit the required amount in your account to deposit the premium.

How to deposit premium in Atal Pension Yojana?

  • Beneficiaries need not visit the bank again and again for depositing the premium.
  • The Bank will automatically deduct the premium as per the date of premium payment chosen by the beneficiary i.e. Monthly/ Quarterly/ Half yearly.
  • Beneficiaries should keep at least the amount to be deposited in their account so that no additional interest is charged for depositing the premium.

For your convenience, we are giving you a table in which the premium deducted every month has been kept.

APY Chart Table 2022

age of joining The age by which you will invest monthly depositend amount
1842Rs. 42Rs. 1.7 lakh
1941Rs. 46Rs. 1.7 lakh
2040Rs. 50Rs. 1.7 lakh
2139Rs. 54Rs. 1.7 lakh
2238Rs. 59Rs. 1.7 lakh
2337Rs. 64Rs. 1.7 lakh
2436Rs. 70Rs. 1.7 lakh
2535Rs. 76Rs. 1.7 lakh
2634Rs. 82Rs. 1.7 lakh
2733Rs. 90Rs. 1.7 lakh
2832Rs. 97Rs. 1.7 lakh
2931Rs. 106Rs. 1.7 lakh
3030Rs. 116Rs. 1.7 lakh
3129Rs. 126Rs. 1.7 lakh
3228Rs. 138Rs. 1.7 lakh
3327Rs. 151Rs. 1.7 lakh
3426Rs. 165Rs. 1.7 lakh
3525Rs. 181Rs. 1.7 lakh
3624Rs. 198Rs. 1.7 lakh
3723Rs. 218Rs. 1.7 lakh
3822Rs. 240Rs. 1.7 lakh
3921Rs. 264Rs. 1.7 lakh
4020Rs. 291Rs. 1.7 lakh
Monthly type investment chart in APY

Method of withdrawing money from Atal Pension Yojana:

  • Applicants will get the amount deposited after 60 years of age as pension. But if the applicant wants that he gets all the amount in one go, then the bank will give him all the amount deposited by him.
  • If the applicant has attained 60 years of age and after that the applicant dies, in such a situation, this amount will be given to the applicant’s nominee i.e. to the wife.
  • If the applicant calls for his deposited amount before attaining the age of 60 years, then in such case the bank will refund the entire amount deposited by him excluding interest as well as for the maintenance of the account. Whatever expenses have been borne by the bank will be deducted from the amount of the applicant.
  • If the applicant dies before the age of 60 years, then in such a situation, his spouse will be given the freedom to get the pension released in his own name. Otherwise the entire amount deposited will be returned to the nominee.

FAQ For Atal Pension Yojana 2022

What is Atal Pension Yojana (APY)?

There is a pension scheme launched by the Prime Minister Shri Narendra Modi, under which every citizen of India who has turned 18 and is below 40 years, a small amount which starts from ₹ 40 and goes up to ₹ 200 per month By giving, he takes a guarantee from the government that after the age of 60, he will get a pension between 1000 to ₹ 5000 every month in return.

What is the age limit for Atal Pension Yojana?

To avail this pension, the minimum age should be 18 years and maximum age should be 40 years.

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