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Atal Pension Yojana (APY) for Social Security in India

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Atal Pension Yojana (APY) for Social Security in India

Atal Pension Yojana (APY) Image

Financial inclusion and a universal social security system have been high on the National Democratic Alliance government’s agenda. Ever since the BJP came to power at the centre, PM Narendra Modi, former Finance Minister Arun Jaitley and the Cabinet have worked towards promulgation of new schemes that give financial security to the common man. The first step towards the achievement of social security was the rollout of the Pradhan Mantri Jan Dhan Yojana (PMJDY). With Phase I being declared a major success and 1.8 crore accounts having been opened across the country, the government flagged off three new schemes on May 9, 2015: two insurance schemes (Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima Yojana) and one pension scheme (Atal Pension Yojana). This is called Phase II of the PMJDY since it was important to get people into mainstream banking before any benefits could be extended to them.

Atal Pension Yojana

“As our young population ages, it is also going to be pension-less. Encouraged by the success of the Pradhan Mantri Jan Dhan Yojana, I propose to work towards creating a universal social security system for all Indians that will ensure that no Indian citizen will have to worry about illness, accidents or penury in old age,” said then Finance Minister Jaitley in his 2015-16 Union Budget speech. In keeping with this ideal, a National Pension Scheme, the Atal Pension Yojana was effected from May 2015. The scheme intends to bring pension benefits to people of the unorganised sector so that they can enjoy social security with a minimum contribution per month. People who work in the private sector or are employed in occupations that do not give them the benefit of pension can apply for this scheme. They can opt for a fixed pension of INR 1,000 or 2,000 or 3,000 or 4,000 or 5,000 on attaining the age of 60. The amount of contribution and the individual’s age will determine the pension. Upon the contributor’s death, the spouse of the contributor can claim the pension and after the spouse’s death, the nominee will be returned the corpus accrued. The amount collected under the scheme is to be managed by Pension Funds Regulatory and Development Authority of India (PFRDA) as per the investment pattern specified by the Government of India. Individual applicants will have no choice of pension funds or investment allocation

Benefits of Atal Pension Yojana (APY)

The Atal Pension Scheme will bring security to ageing Indians while at the same time promote a culture of savings and investment among the lower and lower-middle-class sections of society. One of the greatest benefits of the scheme may be enjoyed by the poorer sections of society. The government of India decided to contribute 50% of the user’s contribution or INR 1,000 a year (whichever is lower) for a period of five years. This contribution, however, was enjoyed only by those who were not income taxpayers and those who joined the scheme before December 31, 2015.

Tax Benefits:

Also, as per the circular released by the Income Tax department, contributions to the Atal Pension Yojana (APY) are now eligible for the same tax benefits as the National Pension System (NPS). The tax benefits include an additional deduction of up to Rs 50,000 under section 80CCD(1) of the Income Tax Act, over and above 80C tax benefits.

Other Benefits:

One gets a guaranteed monthly pension ranging from Rs. 1000-5000. In case of the death of the subscriber, the pension goes to his/her spouse. In case both dies, then the entire corpus is given to the nominees.

Exit Policy:

  • Firstly, you need to visit the bank where your APY account is held.
  • You will be required to fill out and submit the closure form.
  • After submitting the closure form, you need to wait for the bank to go further ahead with the procedure.
  • The money present in the APY account will be transferred to the bank account that you provided along with the interest you have received up until then, a confirmation will be sent by the bank regarding the closure of the account.

Who is Eligible for Atal Pension Yojana?

The Atal Pension Yojana (APY) is open to all Indians between the age of 18 and 40. This allows an individual to contribute for at least 20 years before reaping the benefits of the scheme. Any bank account holder who is not a member of any statutory social security scheme can avail of the scheme. All existing members of the government’s ‘Swavalamban Yojana NPS Lite’ will automatically be migrated to the Atal Pension Yojana. It will now replace the Swavalamban scheme, which did not gain much popularity across the country.

How to Enroll for Atal Pension Scheme?

To sign up for the Atal Pension Yojana, an account holder must fill in an authorisation form and submit it to his/her bank. The form will require complete details including account number, spouse and nominee details, and authorisation for auto debit of the contribution amount. Account holders signing up for the scheme need to ensure that sufficient balance is maintained in the account every month, failing to do so will attract a monthly fine of –

  • INR 1 for a monthly contribution up to INR 100
  • INR 2 for a monthly contribution between INR 101 and INR 500
  • INR 5 for a monthly contribution between INR 501 and INR 1,000
  • INR 10 for a monthly contribution beyond INR 1,001

If no payment is made towards the scheme

  • for six months, the holder’s account will be frozen
  • for 12 months, the holder’s account will be deactivated
  • for 24 months, the holder’s account will be closed

For those who does not have a bank account: A person needs to open a bank account first by submitting the KYC document and Aadhar card. He/she is also required to submit the APY proposal form.

Exiting the scheme: Yes, you can exit the scheme if you want to. You will be provided with a closure form and will need to visit the bank where you have your APY account.

APY Application Form

The application form can be downloaded from https://npscra.nsdl.co.in/nsdl/forms/APY_Subscriber_Registration_Form.pdf  .The forms are available in different languages – English, Hindi, Gujarati, Bangla, Kannada, Odia, Marathi, Telugu and Tamil. Indicative Contribution for Various Pension Options (in INR)

Entry Age Years of Contribution Monthly Pension INR 1000 Monthly Pension INR 2000 Monthly Pension INR 3000 Monthly Pension INR 4000 Monthly Pension INR 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

*Data from Atal Pension Yojna brochure

Launch Across the Country

The Atal Pension Scheme and the other insurance schemes were launched on 9 May 2015 simultaneously by Union and Chief Ministers. Prime Minister Narendra Modi launched the scheme from Kolkata.

Age of Joining Years of Contribution Indicative Monthly Contribution (in Rs.) Monthly Pension to the subscribers and his spouse (in Rs.) Indicative Return of Corpus to the nominee of the subscribers (in Rs.)
18 42 42 1000 1.7 Lakh
20 40 50 1000 1.7 Lakh
25 35 76 1000 1.7 Lakh
30 30 116 1000 1.7 Lakh
35 25 181 1000 1.7 Lakh
40 20 291 1000 1.7 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 2,000 per month to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period under Atal Pension Yojana

Age of Joining Years of Contribution Indicative Monthly Contribution (in Rs.) Monthly Pension to the subscribers and his spouse (in Rs.) Indicative Return of Corpus to the nominee of the subscribers (in Rs.)
18 42 84 2000 3.4 Lakh
20 40 100 2000 3.4 Lakh
25 35 151 2000 3.4 Lakh
30 30 231 2000 3.4 Lakh
35 25 362 2000 3.4 Lakh
40 20 581 2000 3.4 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 3,000 per month to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period under Atal Pension Yojana

Age of Joining Years of Contribution Indicative Monthly Contribution (in Rs.) Monthly Pension to the subscribers and his spouse (in Rs.) Indicative Return of Corpus to the nominee of the subscribers (in Rs.)
18 42 126 3000 5.1 Lakh
20 40 150 3000 5.1 Lakh
25 35 226 3000 5.1 Lakh
30 30 347 3000 5.1 Lakh
35 25 543 3000 5.1 Lakh
40 20 873 3000 5.1 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 4,000 per month to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period under Atal Pension Yojana

Age of Joining Years of Contribution Indicative Monthly Contribution (in Rs.) Monthly Pension to the subscribers and his spouse (in Rs.) Indicative Return of Corpus to the nominee of the subscribers (in Rs.)
18 42 168 4000 6.8 Lakh
20 40 198 4000 6.8 Lakh
25 35 301 4000 6.8 Lakh
30 30 462 4000 6.8 Lakh
35 25 722 4000 6.8 Lakh
40 20 1164 4000 6.8 Lakh

Table of contribution levels, for fixed monthly pension of Rs. 5,000 per month to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period under Atal Pension Yojana

Age of Joining Years of Contribution Indicative Monthly Contribution (in Rs.) Monthly Pension to the subscribers and his spouse (in Rs.) Indicative Return of Corpus to the nominee of the subscribers (in Rs.)
18 42 210 5000 8.5 Lakh
20 40 248 5000 8.5 Lakh
25 35 367 5000 8.5 Lakh
30 30 577 5000 8.5 Lakh
35 25 902 5000 8.5 Lakh
40 20 1454 5000 8.5 Lakh

Recent Developments

  • The government will extend the benefit of the APY via Post Offices all over the country so as to bring more people under its ambit. The implementation of the scheme through post offices is expected to be more helpful for the people in rural areas.
  • In March 2016, the government amended the scheme’s provisions to give the subscriber’s spouse an option to continue contributing to the account for the balance period on the premature death of the subscriber.
  • The Government released Rs 100 crore towards its co-contribution for Atal Pension Yojana (APY) in 2015-16 fiscal.
  • Also, as per the circular released by the Income Tax department, contributions to the Atal Pension Yojana (APY) are now eligible for the same tax benefits as the National Pension System (NPS). The tax benefits include an additional deduction of Rs 50,000 under section 80CCD(1) introduced in the year 2015 Budget.
  • To increase the outreach of Atal Pension Yojana (APY) among the prospective subscribers in the country, The Pension Fund Regulatory and Development Authority of India (PFRDA), on August 19, 2016, has integrated the APY module with the bank’s core banking system, allowing enrollments to happen through people’s saving accounts. It will not only make the process convenient but a whole lot faster and hassle-free. The customers would not be required to submit physical forms to the bank from now on, and a web-based APY subscriber registration mode has been allowed for customers with net-banking accounts.
  • APY Subscribers Are Now More than 3.68 Crore
  • As new 65 lakh subscribers join the Atal Pension Yojana in the FY 2021-22, the total number of subscribers to the scheme has crossed the mark of 3.68 crore. In the scheme enrolment, the top contributors are people from the states of Karnataka, Maharashtra, Andhra Pradesh, Bihar, and Uttar Pradesh. As January 2022, the APY subscribers from Karnataka are 19.15 lakh, from Andhra Pradesh are 19.80 lakh, from Maharashtra are 25 lakh, from Bihar are 31.16 lakh, and from Uttar Pradesh are 49.65 lakh.

How to track ‘Atal Pension Yojana’ account.

The finance ministry had also launched a facility whereby subscribers can view online their statement of the transaction. This would benefit more than 45 lakh subscribers of the Atal Pension Yojana.

  • The subscriber can view his or her account statement by providing the savings bank account number and the Permanent Retirement Account Number (PRAN).
  • If you want to search without PRAN, you can still access your account by providing additional details like bank account, date of birth and beneficiaries name.
  • Now, you will have two options-APY e-PRAN view or Statement transaction View depending on your requirement.
  • APY account holder can check their transaction details here: https://www.npscra.nsdl.co.in/scheme-details.php
  • How to track APY using your mobile phone?
  • Start by downloading the APY and NPS lite mobile app.
  • Now enter the PRAN details and tap on login.
  • An OTP will be sent to your registered mobile number.
  • Now you will be able to access the investment amount in the scheme and also you can view your statement and the deposits you have made in the scheme.

 

National Toll-Free Number – 1800-180-1111 / 1800-110-001

Click here to view Atal Pension Yojana (APY) in Hindi – अटल पेंशन योजना (एपीवाई)

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547 COMMENTS

  1. Rs.170000/- Age 60 me jama hote hai.
    usme se per month Rs. 1000/-
    jisse ama adami ko Rs.appox 275/- ka loss hoga.

  2. If eligible person join the scheme & continue 5 years.
    After this period the person dead.
    Next step for this scheme?
    1.Who & how to get deposit amount ?
    2.When get the deposit amount ?
    3. Can Nominee continue the scheme ?

    • GoI has not provided any clarity on this as yet. As yet, this is all the official brochure says –

      “In case of death of subscriber pension would be available to the spouse and on the death of both of them (subscriber and spouse), the pension corpus would be returned to his nominee”

      Will update as soon as there is any additional information.

  3. The country need good governance. The peoples are want basic needs,and that is giving by modi govt.

  4. pls extended this scheme to the age of fifty years.
    people with below 40 yrs are more financial strong.
    above 40 yrs people need very badly as they are not so financially strong .

    so i request our Hon’ble Prime Ministergi to consider this.

  5. i am 39 year 2 month old (23.02.1976 my date of birth ) i want to know that what is my 1st premium amount in ATAL PENSION YOJNA loanh by my HON. PRIME MINISTER MODI JEE my s.b.account in allahabad bank (kolkata GARIAHAT BRANCH, WEST BENGAL please answer my question. 15.05.15 kolkata.

  6. kadambari jha May 14, 2015 at 4:19 pm
    Your comment is awaiting moderation.

    i am 39 year 2 month old (23.02.1976 my date of birth ) i want to know that what is my 1st premium amount in ATAL PENSION YOJNA loanh by my HON. PRIME MINISTER MODI JEE my s.b.account in allahabad bank (kolkata GARIAHAT BRANCH, WEST BENGAL please answer my question. 15.05.15 kolkata.

  7. Very good information. It is helpful for all concerned becoz of busy schedule it is difficult to visit the bank to enquiry all relevant information. kindly Notify me.

  8. It is very good scheme of all three Insurance/pension schemes from Hon’ble Prime Minister and i am an a 40 years old and my date of birth is 10/04/1975 it is eligible and apply for the ATAL PENSION YOJANA SEND me the details to join this insurance.

  9. If payment is not made for 6/12/24 months, the account will be frozen/deactivated/closed respectively. What happens to these accounts?

  10. If I am having one LIC Policy, whether it is not possible for me to join Atal Pension Yojana Scheme. My LIC will expire on 2024.

    Please confirm me, as my banker could not give me the form.

  11. If anyone join the pention plan and unfortunately if that person died due to some reason then what about that deposited amount ??
    1.Who will get that amount ?
    2. Can nominee will continue with both the pention plan ??
    Please reply soon …

  12. I am an individual employed in private firm. I have not joined or covered in any government schemes till today. Also I am aged 60 Years hence I would like to join any of the government of India for aged persons. Please inform me any financial scheme is available for senior citiZens like me.
    Kindly reply immediately.

  13. If one opens a PPF account and deposits money equal to the premium for Atal Pension, he will accumulate equal to / more than the total corpus in this scheme at the current interest rate of PPF and he will have money in his hand and earn interest by making FD of this corpus. At the current interest rates, he will earn interest equal to or more than the pension offered in this scheme. So how is this scheme beneficial.

  14. What if person dies before 60 years, whether his/her spouce get the pension?

    What if person dies before 60 years, together with his/her spouce so nominee will get the pension or corpus money?

  15. Respected sir.
    Atal pension yogna is a good scheme…
    Pls clear my confusion…. Can I take this scheme for my house wife….

  16. can i get full amount refund after my 60 yrs age live or death? kindly contribution amount details customer and GOI. we are not fully clear about the scheme.

  17. IT IS A VERY GOOD PLAN . I WANT TO KNOW MY HUSBAND IS A SERVICE HOLDER.FOR MY SECURITY I WANT TO BUY A ATAL PENSION YOJANA.TO BUY A APY? MY AGE IS 37 YEARS (27/10 1977). WHAT IS THE PREMIUM OF THIS POLICY MONTHLY FOR PENSION RS.3000 YEARLY.

  18. PLEASE RECIFY THIS SCHEME FROM STARTING AGE 30 TO ENDING AGE 50 AND START GIVING BENEFIT FROM THE AGE OF 61 ONWARDS TILL THE DEATH OF HIS/HER LIFE. yOU MAY CHANGE MONTHLY PREMIUM ACCORDINGLY. ALSO CLEARIFY WHAT IS THE CORPUS FUND AT THE END OF SCHEME MENTIONED AND WHO WILL BE ENTITLED FOR THE SAME AFTER THE DEATH OF HIS/HER LIFE. WHETHER ANY OF THEIR GENERATION/RELATIVE/ OTHERS ETC ETC.

  19. Very nice plan
    But I sincerely request to relax the upper age limit to either 45 yrs / 50 yrs as these age groups are more financially insecure.
    Awaiting for at least a grace.

  20. policy is very good but
    incase of death of member before the attending the of 60 whether contribution already stopped and pention will be start to nok or otherwise. secondly in this case a lumsum amt paid to nok or otherwise not clear in both cases

    • APY is a good schame. I also want to take this. But there is an dout and not cleared that if policy holder died before 60 year the instalment will stopped or paid by his nominee . second when penson will started to nominee and for how long period.

      If nominee also death before 60year then what is corps money amount for Spouse.

  21. It is a very good vima yojona. From that yojona every simple pupil will be benefited from this scheme. Thanks to PRIME MINISTER NARANDRA MODI.

  22. it would much more benefit if the age limit is 45 more people will involve to this.

  23. Nice policy.
    But i have some doubt about this policy.

    1.) First, If i join any govt. job in future then my policy will expire or not ?
    2.) If policy holder dead before age of 60 years then where his deposit amount goes ?

  24. iam doing private job i have provident fund monthly didection my wife is house wife can take attal yozana to my wife. please tell me advantages and disadvtages of this scheme.

  25. I m gov employee, after retirement i receive pension from my office which will so little to survive therefore i want to know can i take atal pension yojna ?

    Please guide me

    Thankyou

  26. This vary good PM & gov. this plan is very useful for poor people. All poor people say thanks for PM.

  27. This APY is very useful scheme for rural and urban people who earn less salary and live in future on their own. By this scheme the old age people can live happily without depend on their heirs for their basic needs.

  28. 1-मैंने प्रधानमंत्री जीवन ज्योति योजना व प्रधानमंत्री सुरक्षा बीमा योजना पहले ही ले ली है तो क्या मैं अब प्रधानमंत्री पेंशन योजना नहीं ले सकता।
    २- प्रधानमंत्री पेंशन योजना का लाभ सिर्फ गरीबी रेखा से नीचे वाले ले सकते हैं या फिर अन्य सभी
    3- क्या मिनीमम रिटर्न भरने वाले भी इस योजना के पात्र हैं

  29. Sir;mera dob-1/1/1975,Mera apy Khulega kya?agar ho to please reply.60 Ke bad life time milega kya?

  30. Hi,

    Eagerly awaiting some relaxation on this.
    Let the government fix the investment period as 20 years and provide age relaxation.
    This is required for all people, working in private sectors for security purpose.

  31. I Just enrollment this scheme my montly dedection is 409\- my age is 27 so how much Contribution i will get at last

  32. thanks for launching this nice scheme
    employees of private sector who have only pf facility without pension scheme can avail this scheme?

  33. If anybody aging 25 and apply from this month then he will have to pay 8,50,000 till i will become 60 Years.

    If he dies straight after becoming 60 years then whether nominee will get any sum of amount or not. Is there any other fact of this policy in such circumstances.

  34. I am a retired Professor but no pension. I am 65+ Is there any scheme though which I can be eligible for any pension?

  35. Very Good scheme, for poor and middle classes person. If every governments employee are donate Rs. 42,76,116,181,291 in every month for all poorer, then I hope, India becomes No.1 develop country in future.

  36. Dear Sir,

    Now I am 31 years old. After 20 Years Complete Atal Pention Yojna I Will Be 51 year old ,Then how Many years i got the benifts of This Policy ??????

    Kindly suggest Me ….

  37. I have a future plan.join to me to destroy life 600317 is code Mumbai,Delhi,Bihar,we support that all mile to me with other God of 1964 in IQ Himalayas.

  38. Dear sir,
    just I want to know if Atal pension yojana subscriber will expire before attain 60 years of age then spouse only can claim for nomination settle or spouse will continuing that Apy scheme.

    please sir response me

  39. I want to taken pm pension policy from sbi muzaffarpur kalyani market branch.Please suggest me.

  40. If I join at the age of 21 year awhat wiil be tenure of premium to be paid .and when I will start getting pension ie at the age of 41 years or 60 years
    THE PENSION IS LIFE LONG OR FOR SOME LIMITED PERIOD

  41. If I join at the age of 29 year what wail be tenure of premium to be paid .and when I will start getting pension ie at the age of 49 years or AFTER 60 years
    THE PENSION IS LIFE LONG OR FOR SOME LIMITED PERIOD

  42. I want to join in Atal Pension Yojana. But what benefit will get my family if I die before attaining of age 60 years.

  43. This one is very good and helpful to required people. (Abhi Karega India tabhi to Badega India) First thanks to Mr. Modi ji.

    I just share one thing till time form are not available with Bank.

    • My Date of birth 13/8/1975 and If we are working in Private School, they are deducting for EPF amt. Can we join this yojana.

  44. If one person joined the scheme at the age of 25 year and died befire 60, what will be the moneytory gain by his family? Secondly if the benificary, spouse died after 60 , what will be the money gain by the nominey? Kindly calculate these cases for 5000 scheme.

  45. Now my son is not covered under Epf scheme. He is working in a small concern. I want to start this plan on behalf of him. Suppose if he got a job covering under epf scheme after 2 years, what is the fate of invested money.

    • My son is 20 year old Student. If he join the APY scheme 1) What will happen if he get a Pensionable Govt Job ? 2) What are the options available if one dies within a few years of joining the scheme & before marriage ?

  46. I am a west Bengal government sponsored school teacher.please tell me that can I avail the Atal pension yojana?

  47. Atal Bima Yojna India Ki har Admi Ki Jan Bapas Layega.Ham Log Asha karte he ki India ki Har Daptar Me sahi Kam Ho,or Har Daptar Me Reswat Sij Ki Niam Na Rahe..Amm Admi Ko Bahut Taklif Hota He…Jai Hind…..

  48. now i am not paying any tax. but next year i would be a person who pays tax. shall i join in the scheme if i pay the amount this year can i continue the scheme next year.

  49. My age is 31 according to apy after 60 year pention will be start and how long times it will be running and after die wts is benifts to my family

  50. Respected sir,
    This is to inform you that allahabad bank of GLT road kolkata,denied from giving dis benefit irrespective of any default.They said that this scheme was available only upto 10th of june which has now stopped.
    So its my kind request to look after the proceedings..

  51. If governments changes then this yojana will remain continue or not.
    There is not any info about it….please give if any has….

  52. ya this really very social

    i hope this plane.is clammring by all people
    thanks modi and thanks india

  53. If a person paying worth rs1454 for 20years thn after 20years the amoulent peop will be 348960 if d same amount v save in bank thn onces in 4years it ll get double thn d double amount ll b 1395840 …..n in tiz so cald fooling people yojana only giving pension tht to after 20years amount of 850,000
    1395840-850,000=545,840 tiz much profit d prime minister iz gtng behind one person so u al thnk if 10people joining tiz thn many amount thy r gtng …………

  54. i have a question regarding APY and that is if any person opted the APY after attaining the age of 18 and further he/she get Govt. Job( Which may contain Statutory social security scheme) under this circumstance, will he/she will be entitle/eligible to avail the said benefit. Please suggest me.

  55. this type of scheme such a good planing for a middle class unemployed people who are really hope less about his/her future.
    thank to Govt. and planning commision of india

  56. sir mere pass S.B.I ka account he to kya me es purane account se hi attal pension yojna ko khol sakta hu kya. or ye account Uttarakhand ka he or me Delhi me job karta hu to kya ye yojna me Delhi me khol sakta hu kya

  57. Hello sir
    APY MAI APSE YA POOCHNA CHATA HU KI JAISE KOI BHI BEECH MAI HE/SHE/ KI KOI SUDDANLY ACIDENT HO JATA HO TO YA DEITH HO JAY TO KITNE SAAL BAAD BENIFIT MILAGA YA NAHI

  58. Sir,This is a very good thinking for middle class unemployed People.This is a Fantastic Scheme.Thanks for APY.

  59. I am interested about the pollicy.but i have two quiestion.
    1 i am 32years old and unmarried.can i change my nominee in future.
    2.if i get gov. Job and come under taxes then what is the feture of my pollicy? Please reply me about my quiestion.

  60. Sir,
    Apy is a good scheme for people of lndia.tks to PM for his good vision for lower and middle class people.
    Details apy is not avaible. If insured expire before attending 60yrs, what abt the premium.
    Weather pension will be given to beneficiary or lumsup.

  61. dear sir,
    i have doubt stating that in atal pension yojana
    in syndicate bank, main road branch, vijayawada, Andhra Pradesh. PIN: 520001

    As my wife applied atal pension scheme by name Nagamanimanjula in that her spouse name K.G.SATYANARYANA had been selected. Automatically it had been entered as a default nominee

    My self and my wife want to enrol my daughter(optional) as our nominee

    kindly go through this do the needful

  62. Sir my grand father has 55 older n my grand mother has 50 years how can they apply to this yocana 8978596243 this is my number plese send details about how to apply to this yocana for my grandfater and grandmoter and how much pention they got per month and how much we pay per month

  63. Good scheme, For middle class people.
    But, their r so many things which are not clear, Like :
    1. If applicant died before the age of 60, pension nominee ko milegi ya???.
    2. Pls mention any phone no(s) For queries.

    Thanks

  64. DEAR SIR,

    I AM VERY MUCH EXCITED TO SEE SUCH A WONDERFULL SCHEME FOR THE COMMON PEOPLE WHO WORKS IN PRIVATE SECTOR.YOU ARE TRUELY A GOVERMENT OF COMMON PEOPLE MINDSET BUT I HAVE AN SERIOUS DOUBT ANDQUESTION ABOUT THE ATAL PENTION YOJNA WHICH I WANT TO CLEARFY THROUGH THIS MAIL THAT SOME PEOPLE SAID THAT WHEN GOVERMENT CHANGE THIS SCHEME LL ALSO VANISHED BY THE OTHER GOVERNMENT THEN WHAT LL HAPPEN TO OUR MONEY WHICH WOULD BE DEPOSITED TILL DATED.

    RAVI R SHARMA

  65. If I unable to continue the policy after 6 years whether the deposited money will be refunded to me or forfieted or the govt. will continue the policy further ?

  66. Kripya bataye ki 60 year ke bad pension rashi 1,2,3,4,5 thousand ke alawa ekmust rashi 1-70 to 8-5 lac kab milegi

  67. Dear sir, i have a doubt that an aadhar no.which we fill in the form, if any other person had that our no.and he may use that no.for his/her APY joyana then how the bank knows that the wrong thing has been happened plz clear this doubt of mine i request you sir….

  68. Dear sir, i have a doubt that an aadhar no.which we fill in the form, if any other person had that our no.and he may use that no.for his/her APY joyana then how the bank knows that the wrong thing has been happened because the bank didn’t see the adhar card plz clear this doubt of mine i request you sir….

  69. sir,

    this is a very good plan for a middle class people and support to live in life after 60 age.

  70. I AM ALREADY A EPF MEMBER AND NOW
    I ALSO INTERESTED IN MONTHLY
    PENSION SCHEME SO IT IS POSSIBLE TO
    CONTINUE THE BOTH PENSION SCHEME.

  71. mai 60 year ke bad 10000 rs pension lena chahata hu mujhe kitna cintribute karna padega

  72. Can anyone apply for this scheme who is above 50 years and what is the maximum age limit to apply for this

  73. I have working at Axis Bank. They are deducted PF from my salary a/c. I have also PPF a/c, LIC & also I have covered by “pradhan mantri jeevan jyoti bima yojana” & “pradhan mantri suraksha bima yojana”.
    1) Now can I join this APY Scheme.
    2) If govt will change then is this scheme will be continue or not.
    My wife has Pmjdy a/c. & LIC.
    Can she join in this APY scheme?

  74. Atal Pension Yojana age limit is 40. this benefit available for those who are in 40 age group member but some are suffering with out pension or with out jobs that they don’t have pension plans even after crossing the 40 age group people is there any solution for them.

  75. My date of birth is 11/08/1975, am i elgible to do the APY scheme as i did not complete 40 years.

  76. Hi am 33yrs old I have joined apy my contribution is 302 for how period of time I have pay for apy

  77. sir my question is, i have applied for APY and if unfortunately if i got to death before 60 year of age, then who will pay my premium? and whether my nominee will pay this pension or not?

    • Sir.. mera dob 11.01.1976 hai.. agr me 5000 monthly pention ke lie appky karu to monthly premium kitna hoga.. aur mujhe 60th je bad dir pension milega ya deposite ammount bhi milega??

  78. sir
    If i dont want to continue this scheme after 2 yrs,the money that i have deposited till that period is refundable or not

  79. I am working as limited construction sector , i am provident fund holder …. so i can eligible for this scheme…

    thanks

  80. One of the condition in the declaration on APY form, which is to be signed is ‘Further, I do not hold any pre-existing account under NPS’. Does this means that those who are under NPS scheme are ineligible for APY. All papers and websites says that all citizens in age group of 18-40 are eligible.
    Please clarify.
    With Regards,

  81. my sister signed the form and now she wants to exit out from this yojna then what to do

  82. main central reserve police force me hu.(under new pension scheme)
    1-can I take AYP.
    2-bich me agar instalment nahi de paya to kitne dino ke baad yojna exp hogi.
    3-us period tak jitna paisa deposite hoga wah pura milega?
    4-after 60 yrs mere deth ke baad pension kon lega.
    5-spouse ke deth ke baad nominee ko kya-kya benifits melegi.

  83. i want to know that about APY is spouse person or nominee name can be change in future?now i am single person when i do marge can i add my wife name in APY?

  84. “Atal Pension Yojana” in this scheme if Applicant stop this schim before 60 years age then what will be the status of Payment of money what he given..?

  85. what happen? I am Tax payer and Applied for APY. Am I eligible for This “APY”. If not then what happen they deduct my monthly premimum or not.

  86. Hi sir,
    Really this scheme can help both poor and other private people family also request you all Indian pleases don’t miss this opportunity and look this opportunity immediately thanks to my dear modiji sir…..

    1) What will happen if the joining the APY scheme what about his money he deposited in this yojana
    What will happen if he get a pensionable government job?
    2) I want to know that about Atal Pension Yojana, is spouse person or nominee name can be change in future ? Now i am single person so I do Marge can I add my wife name in APY?
    3)Please more development my. Indian government country’s so pls following me no poor families all memory good knowledge and skills to all government work all people going studies no poor family my mother India?
    Pls all peoples you help me next pm you coming? Sir \madam .looking for your reply.
    Thanks sir jai Indian.

  87. What will be the provision if I die before 60 yr is that amount will be refundable to my family or my nominee

  88. We will take this apy pension scheme, but after 1 year or 2 year, we will discontinue. then this paid amount will come after 60 years or it will go to govt, please let me.

  89. the student who is having pan card is not eligible for APY SCHEME ?please let me know because I asked in bank and they said that pan card holder are not eligible if yes then why so?

  90. We will take this apy pension scheme, but after 1 year or 2 year, we will discontinue. then this paid amount will come after 60 years or it will go to govt, please let me.

  91. policy is very good but
    incase of death of member before the attending the of 60 whether contribution already stopped and pention will be start to nomine or otherwise. secondly in this case a lumsum amt paid to nomine or otherwise not clear in both cases

    • What if one has not attained the age of 60 and encounters death. Will there be a pension issued to the spouse or is it mandate for the one to attain 60 yrs to reap the benefits?

  92. Iam alrady join apy pension scheme but i want to know that give me any documents from bank.pls reply me

  93. Iam alrady join apy pension scheme but i want to know that give me any documents from bank. can i change my nominee details? pls reply me

  94. Iam already join apy pension scheme but i want to know that give me any documents from bank and also can i change my nominee details? pls reply me

  95. Dear Sir,

    Iam already join apy pension scheme but i want to know that give me any documents from bank and also can i change my nominee details? pls reply me

  96. Dear Sir/Mam,
    I’m 35, say if I die before the completation of 60 years do my family/nomine had to pay the deposit (Premium) per month or had to stop.

  97. after complected 60 years if the person withdraw all amt

    i have also pran card what is the process of link in the yojona.

  98. I am a teacher in bihar goverment.iwant to know …what i am able to take atal penshan yojna

  99. 1). Who is above 45 or 55 years person’s also join in this scheme…….???
    How to possibl this…..??????
    Please tell me

    2). For example::- one person already join in this scheme his age 25 something
    After 5 or 6 years his was dead…..after this scheme Transfer to nominee…..??
    What are doing in this scheme ??????

  100. Sir during the scheme if the APY holder becomes liable for TDS, what would be his/position ?

    Thanks

  101. Hi
    I want to close this don’t want to continew since finance proble.

    Is there any option of refoundble what ever deduct from my accounts.

  102. I have joined in APY scheme on last three month back and paying the regularly premium also but up to I didn’t received any bond or documents for the concern what should I do?

    • APY
      I WILL JOIN MY AGE IS 22 YEARS IN CASE OF MY LEVEL AFTER 10 OR 15 YEARS I WILL GOOD SETILED AND PAY INCOME TAX

      APY SCHEME IS APPLICABLE OR NOT
      IF NOT APPLICABLE PAID AMOUNT WAS RETURN OR NOT

  103. I am an NRI, I have an NRE a/c and NRO a/c, Holder of Indian Passport. Can I join Atal Pension Yojana using my NRO account. Here some banks say and some no. Kindly enlighten me

  104. Sir. I m a income tax payer. Someone advised me to join the APY scheme. Accordingly I joined. But I heard from my banker that as I m a tax payer the scheme will not effective on me . I want to quit , please suggest how to close it.

  105. Hi i have joined in APY scheme on the last two month. Pls advise me which age you required to the last premium and also advise me my per month premium amount if my age is 33 year and what is the processes stop this scheme. Thanks

  106. respected humre narenda modi ji Hume ap se help chahiye me jodu kata karti hu aur Hume ifas judo kata me Jana hai usme 5000 lag rha hai aur black Belat me 4000 lag rha hai atah ap se niwedan hai ki ap humar help kare kuki humre ghar se Hume koe help nhi mila skti hai ghar ki deniye esthiti thik nhi hai eske liye me apki sada abhari rhugi

  107. I seek the following clarifications.
    In case of death before 60 years, whether family pension is admissible to the nominee.
    If the nominee predeceases before changing the earlier nomination, to whom family pension will be paid and what is the definition of family and priority list of nearest family members
    who will disburse pension or family pension whether LIC Or Bank

  108. Dear sir;
    i have already apply in Swavalamban Yojana NPS life & now also apply in atal pension yojana
    what prob. i face ?
    please reply me

  109. The new indian govt NDA have launched a golden benefit scheme to the people of india.but i have a confusion about the pension after 60s how much money we gonna recieved in lower scheme per a monthly.thank you

  110. Namasthey to our PM Sri NARENDRA MODI……
    My Self & My wife we both joind To APY , It’s really Good for all Indians who all are looking for future saving amount…..
    Also we opened account in SSY , for my sweet baby Riya Shree…..
    It’s very good For Me & our Nation,
    Thank you PM & BJP jai hindh …..

  111. My wife has no bank account.I have a saving bank account, banker name sbi. Now I want to jonit account with my wife that account. And then I wish to APY of my wife. I am a ( under Sarba Shiksha Mission ) Cercle Clerk. I do not cover pension scheme.

    Please reply me about new account open my wife or not.

  112. Sir, if at all the account is closed then. We shall get any amount back from the amount that we had paid.

  113. No.1 :- In-case one person could not continue his apy term and also want to surrender this plans. How much amount return to?

    No.2 :- In-case of death of member before the attending the of 60 whether contribution already stopped and pension will be start to wife or nominee.

  114. Sir pls do for an handicap.No matter people which cast they can do anything and do any types of works for life bt agr ek apahij ko bhuk lge to kya wo majduri krke kha skta h nhi kya wo majduri krke pdskta h pls ekdin apahij ki zindagi jikr dekna smjh main a a jayega god bless

  115. Inspite of govt decision for no much documents for opening Jan dhan yojana a/c Bankers are asking for complete kyc for same.Any step can be taken for the same to enable to open a/c for poor segment without p.p.size photo &all

  116. Dear Sir/madam,
    Form Last few year I paid income tax when i was employee but right now I have not income and not working any where so can I fill this form..

  117. 1.In-case one person could not continue his apy term and also want to surrender this plans. How much amount return to?
    2.The person about the pension Plan complet 60 year after 50% amount pay this person ?

  118. sir a man join the atul pensi0n jojona.after his death before 60 age how many amount payable of the nominee

    • 60 sal badha aadhami mar gaya to usak pariwar ko kaiy? milega.? jama kiya howa paisa milana chahiye na?

      • aba mera epf kat hone laga hai mereko atal pension yojana banda karni hai to kar sakte hai kay aur uska bhara huaa paisa mil sakta hai kay

      • I want close my ATAL PENSION scheme, I am submitted application letter in bank for close scheme.
        my A/c no. and name is
        SANTOSH D. INGALE a/c no. 959353547
        ATAL PENSION YOJANA PRAN. no. 500046820102
        please close scheme from my Indian Bank, Branch Bandra West, Mumbai 400050 saving a/c. i give application to my bank if any information required contact to our mobile no. 09768113189 my email id is :[email protected]

    • Dear Sir,
      I have already enrolled with this pension yojna in June 2015 but I want to discontinue the same because I can not pay Rs. 453/- per month hence dont deduct the amount of Rs 453/- from my account from this month September. Sir please refund my amount as follows in my Bank of India account my A/c No.- 121310110011182

      My no is 500085102147/06/2015 453/-
      500085102147/07/2015 453/-
      500085102147/08/2015 453/-
      TOTAL 1359/- Rs.
      I am waiting for your reply

      Thanks

      Sou. Snehal Vikrant Parab
      E-mail [email protected]
      phone no.- 9420380913

  119. Pse clarify me if Contributer died before 60 years age
    then spouse will get the pension immediately or after the completion of Corpus’s 60 years age . Also I want to know
    that whether Spouse will contrubute the ramaining years or months after Contributor’s death or wait for the ramaining months or years .Pse Clarify me .

  120. If I need to close my Atal Pension plan, then what will I have to do as because SBI bank employee not able to help me for the same.
    Even I am also not getting any deposit document of my plan

  121. first i have diposited the form at sbi and the concern person of sbi,niladree vihar,bhubaneswar branch refused me your form is not resister so i have done it in syndicate bank at ceb branch,bhubaneswar but after that amount deduct also from sbi,what shall i got the money from sbi?plese reply the same

    • First I have applied APY at HDFC Bank but after long gap also they have not debited the amount from my account then I have done the same at IOB and they debited the amount with quick effect after few days what I saw that HDFC have also debited. Now I want to close the APY from HDFC what should I do?

  122. i want to know that can i get any document ilke passbook or like same document so that i can used as evidence for APY in future

    i also request to to deducted our emi amount as a fixed date because my 3 times EMI deducted as 3 different date why sir please replay me

  123. SIR,I AM THANKFUL TO GOVT OF INDIA TO FACILITATE THE POOR PEOPLE FOR OENING THEIR BANK A/C ONLY SHOWING THEIR ADHAR AS PROOF OF ADRESS N I PROOF.
    BUT PRACTICALLY UCO BANK KUANPAL, CUTTACK,ODISHA ASKING FOR ADHAR/V.I.CARD AS I PROOF N ELECTRICITY BILL AS PROOF OF ADRESS, TWO P.P.SIZE PHOTOGRAPH WITH SPECIMEN SIGN WHICH IS HARDSHIP FOR POOR PEOPLE
    ABOVE DOCUMENTS ARE DEMANDED INSPITE OF FINGER PRINT PHOTO TAKEN BY THE BCS ON THEIR LAPTOP.
    IF POSSIBLE STEPS MAY BE TAKEN TO SAVE EXPENCES MADE BY POOR IN THIS REGARD

  124. HON’BLE PRIME MINISTER
    SIR,
    I , WITH MY BROTHERS & SISTERS OF MY NATION HIGHLY PLEASESED ON YOUR PLANS & PROGRAMS WHICH WILL TURN OUR LIFE STYLE.
    I WOULD LIKE TO REQUEST YOU TO THINK OF THE PEOPLE AFTER AGE OF 70 N 50 UNDER PRADHAN MANTRI SURAKSHYA BIMA YOJANAN PRADHAN MANTRI JIVAN JYOTI YOJANA.
    THANKING YOU.

  125. I am working in Bank. One APY customer approached and enquired about the monthly deductions. The premium amount was debited in his account two months back. In the following months the customer kept the premiums consecutively for 2 months. Even after lapse of 2 months time, he was very much particular about why the premium amounts were not taken from his account. As I could not find any help desk like for seeking clarification, I am asking the solution for it. He decided to stop paying further premiums as there is delay of maintainance. show the solution so as to advise the customer to maintain the account.

  126. I have already enrolled with this pension yojna but want to
    discontinue the same hence dont deduct the amount of rs 485/- from my account fromnext month Oct 4th.

    My no is PRAN 50110108713

    Thanks

    Sudeshna Guhathakurta

    • I have already enrolled with this pension yojna but want to
      discontinue the same due to non availability of any document hence dont deduct the amount of rs 990/- from my account from next month Oct 4th.
      My Acct no is PRAN 500019158210
      Thanks
      Shova Mondal

  127. I want to know one clearification .My wife is enrolled in this yojana Is this yojana cover life insurance of enrolled person. If any circumstances enrolled person expire before 60 who will pay balance installment and who will get benefits of pension.

  128. Dear Sir/Madam,
    I and my wife Pidakala Mary Elizabeth joined the NPS (National Pension System) in the year 2013 at the age of 40 and 38 respectively. We have paid Rs. 1000/- each and both of our accounts were activated on 18/11/2013. We have been allotted with 501002245616 and 500092245625 as Permanent Retirement Account Number (PRAN) respectively. I learnt that this NPS is replaced by the APY with the emergence of the recent Government.
    In this connection I have a plea that during 2014 financial year both of us did not pay the annual premium amount of Rs. 1000/- each. In this connection my query is are we eligible to continue the same with Atal Pension Yojana(APY) by paying the last year arrears and late penalty?
    Please clarify my query and help me to continue both of our accounts.

  129. I am Ramprasad Das.My Atal Pension Yojana Policy no is APY420520.My policy was started in the month of June 2015,but my July 2015 premium was not debited from my account due to insufficient fund.After that I am maintainting sufficient balance & I had a talk with my banker and customer care executive of atal pension yojana,they told me that same will be be debited from my account,but this is not happening till date.I would like to pay the premium amount.kindly guide me on the same.

  130. You will have to pay only 630rs.

    For other Enquiry

    Genius Servive Point
    Main MAreket Near Kali Mandir
    Aliganj Eah 207247
    8057395550
    05740-257048

  131. I, the father of Avinash Sheshachalam subscribed to APY from the day it was implemented with Bank of Maharashtra Mysore, Jayalamipuram Karnataka. With all enthusiasm of being helpful to my child at his age of 60+ I started depositing Rs.1000/- once in two months so that there would be no default on my Sosn’s side. After two months I found Rs.1318/ has been deducted from S/B Account of my son.In fact my son was born on 28th July 1988 and the monthly premium is Rs.446/- Several quires at Bank and from there to your establishment left me at Square Number ONE. I decided to discontinue the deduction from my son’s till you decide to rectify the mistake. His A/C No20158204574
    Hoping for an early response
    Sheshachalam

  132. In view of the fact that there is no response for our query,I am driven to conclude that the whole Yojana has been planned to take the gullible small investors for a ride! A mistake of the Govt scheme, if cannot be rectified immediately why Yojana is it any way? For clarification i furnish the detail of my entrance to APY:
    Name: Avinash Sheshachalam
    Date of Birth:2807.1977
    Date of entry to APY29.06.2015
    Sb AS/C20158204574
    Bank: Bank of Maharashtra, Jayalaxmipuram Branch Mysore, Karnataka
    Monthly premium: Rs.446.Guranteed Pension Rs.5000
    Present miscalculation and deduction: M.Premium Rs.1318
    Premium deducted on 15th Sep though it is due for 29.09.2015
    Action instituted by Insuree: Instruction issued to stop deduction from S/B A/c immediately till clarification is received from the Insuring authority.

  133. This scheme is not well thought out.Planners of the scheme should have given ample thought to the probelem that may spring up in the course of the plan being implemented till everything is normalised and is on the streamline. I would suggest the prospective contributors to read the brochure carefully before jumping to any conclusion. Neither the Govt of India nor its insurance agency has clarified about the way a contributor can put his claim after the maturity period. It drives me to conclude that both are hand in glove to play a cruel joke on the innocent insurers.Think twice!

  134. Dear sir

    I am not interested of this scheme and unfortunately I applied now guide me how to I close the same .its very urgent for me

  135. my reference no. n my pran has been alloted to me but why money has not been debited from my account.since last june 2015.

  136. I AM HARPAL SINGH a state government employee since 2004.I have all pension benefits in my STATE GOVT job.I am an income tax payee . Iwant to have additional financial security by joining atal pension yaguna. can i join APY ? HOW MUCH IT IS BENEFGICIAL FOR ME? WHETHER ALL BENEFITS SHOULD BE PROVIDED TO ME ?PLEASE GUIDE ME .

  137. I am harpal singh a state government empoyee in J and kashmir govt.since 2004.my wife is also a govt. servant.i am income tax payee.we have all pension benefits in my govt.job.i want to join atal pension yojuna to get additional financial security in my old age. can i join APY? WHETHER ALL BENEFITS SHOULD BE PROVIDED TO ME AND MY WIFE AND nomenee as mentioned in the policy.

  138. I have enrolled APY but i don’t have any pran no. and the amount not debited from a/c.

    pls guide me for this issue or give me the toll free number or customer care no.

  139. I have enrolled APY but the amount not debited from a/c.
    pls guide me for this issue or give me the toll free number or customer care no.

  140. i would like to know how age is calculated. i am born on 13/12/1974. when i went in the bank to open pension a/c they say that my age is 40 AND I CANT OPEN THIS A/C. SO PLEASE HELP ME.

  141. I have enrolled APY but the amount not debited from my account no.please guide me for this issue 0r give me the toll free number or coustmer care no.my enroll no 500029229011

  142. Today I got the message that,
    “NPS Trust will start recovering fee/charge @ 0.01% of the AUM on daily accrual basis to meet its expenditure, with effect from 1st November, 2015 which has been approved by Pension Fund Regulatory and Development Authority” what does it mean and what is AUM?

  143. how to close atal pension yojna…any one can tell me…as bankers dont know the procedure to close down this account and because of this my account gets debited every month..but now i dont want to have this type of rubbish investments

  144. I want to change my scheme from 5000-to 1000 because of monetary problem. Actually I filled up my form as 1000 policy but it is changed so I want to change. Please suggest

  145. sir, i want to be against pmpy loan but i have lots of problem related to bank so i want help that how to aply to the pmpy mo.9503930900

  146. I want to stop Atal Pension Yojana and wish to refund of my subscription. How can I get back the same.

  147. Dear Sir,
    I have already enrolled with this pension yojna in aug 2015 but I want to discontinue the same because I can not pay Rs. 346/- per month hence don’t deduct the amount of Rs 346/-from my account from this month nov 15. Sir please refund my amount as follows in my PNBaccount my A/c No.- 4563001500008783

    I am waiting for your reply

    ThankS
    [email protected]
    phone no.- 9654859192

  148. my wife enrolled to APY, PRAN no 500097989082,what will get the pension of spouse and corpus amount to the nominee, please give the details.

  149. my wife enrolled to APY, PRAN no 500097989082,what will get the pension to spouse and corpus amount to the nominee, please give the details.

    • after 60 year age, you will be getting 5000 per month.in the case of death.your spouse will get 5000 per month.after death of spouse,nominee will get 800000 amount one time.

  150. I have a aacount in pnb bank from 6 nov2015 this AYP scheme had started but do to financial crisis i dont want to continue this scheme. how to stop this scheme. plz reply

  151. I have a aacount in SBI bankthis AYP scheme had started but do to financial crisis i dont want to continue this scheme. how to stop this scheme.

    Many time I have visit SBI back and requested to brach manager, they siad can’t do any things on this as it is govt scheme.

    Finally I stop to trasction the amount , then agian it is credit all three months premium.
    Please help to close the this and refound what ever amount has been deducted from my amount.

  152. Maine 05/11/2015 ko atal pension yojna li jiska pre.446/- paid kiya lekin mene suna rdiao karkrim me ki half premium lagega krapa jabab de.

  153. I don’t want to continue the service of AYP.
    Can u suggest me how can I remove this service as I don’t want to close my account.???

  154. Sir I (shyamal ghosh) employee of WBPDCL a govt. of WB (UT) organization. Iam a GPF pension holder. Can I apply Atal Pension Yozna.

  155. Dear Sir,

    Maina atal pension yojna chalu ki hai mujha apa ka taraf say ko policy no ya koi proof apak ka taraf saya mila saktha hai ky or main mara gai beach main to meri pension mera nominee milagi ky

  156. Dear Sir/Madam, mene mera 20/11/15 ko aur bhai ka APY k liye 4/11/2015 ko form submitt kiya lekin bank me bataya gaya ki abhi wo mera form le rahe hain lekin wo ye form submitt nahi karenge kyoki is yojana k baare me unhe upar se nirdesh nahi mile hain aur wo is yojana me mera aur mere bhai ka form kab submitt karenge iski bhi unhe koi jaankari nai hai.
    pls me janna chahti hun k problem kya hai? bank mera aur mere bhai ka form submitt kyon nahi kar raha jabki hum is yojana k liye yogya hain aur yadi upar se koi problem nirdeshon ko lekar hai to wo kab tak clear ho payegi?
    Rashmi Patel
    SBI main branch MANDLA (M.P.)

    • Dear Madam,

      I got the information from my LIC agent that APY is only for poor people. This has not meant for middle class, upper middle class and rich person. If we will open the account this amount we will not get back after 60 or no retirement time. This whole amount taken by Govt and will inform us that you this yojna is for poor and backward class people.

      Regds
      Jiten

  157. Querries:

    After death of APY holder at an old age say 70 years, what benefits will be eligible to the spouse ?

    How much corpus amount will be payable to the spouse and to the nominee in case of death of the spouse.

    Whether spouse iis also eligible for getting the pension if the corpus fund remains with the Govt.

  158. Sir, if I die before 60 years, then what benefit get my spouse and nominee in this scheme. Secondly how I know about my account status and maturity date and other details of my account, in this scheme.

  159. in atal pension yogana if the customers foregets to keep the amount and if the account is not debited how to revive the accountwhat is the procedure.if the customer deposits the amount after a lapse of six months whether his account will be debited or not

  160. I am not satisfied to Atal pension yojana. because maine July 2015 se is yojana ka part hu. Mere pass is ka koi proof nahi Atal pension yojana ka me consumer hu.

  161. Mera account gujrat main hain . Apy scheme chaloo karney ka baad main account wite apy scheme transfer kaar chakta hoon?????

  162. I have a joint Saving Bank Account with my spouse in SBI main branch Bhagalpur Bihar.I am 43 yrs old and associated with a society as consultant and working on contract basis.My wife is a housewife and she is 33yrs old.I want to avail this scheme for my wife but the Bank officials are denying to it. saying that only single A/c holder can avail it.Please inter vain/ suggest so that my wife gets the benifit of this scheme.
    Arun Prakash
    8986913277

  163. Sir, if I die before 60 years, then what benefit get my spouse and nominee in this scheme. Secondly how I know about my account status and maturity date and other details of my account, in this scheme.
    Sir, I also wants to know that if I got a government job then what will happend to my account and the scheme.

  164. I want to block APY from my account, but bank says it is not possible.you have to block your account..why..?
    anybody know ,how can i block…?

  165. My date of birth has been wrong loaded 21 years instead of 31 so how I change. In that case premium wrong deduct nd up to deposite when I 70 years old

  166. Modi sir your atal pension yojana scheme is really helpful to us, I like to say thank you for this . Unfortunately I’m not able to use this opportunity because my age is 41 running. So I request you to do something where we can also use this opportunity and secure our future.

  167. i want close my ATAL PENSION scheme, I am submitted application in bank for close scheme.
    my A/c no. and name is:-PARMESHWAR
    a/c no. 20020969696
    ATAL PENSION YOJANA PRAN. no. 500039026918
    please close scheme from my state bank of india saving a/c.

  168. Sir my APY PRAN NO is 500025322117 dt
    8/9/2015 generated by bank but still not debit my account .please give details or suggest me .

  169. Please Extend This Close Date “The government of India has decided to contribute 50 percent of the user’s contribution or INR 1,000 a year (whichever is lower) for a period of five years. This contribution will, however, be enjoyed only by those who are not income tax payers and those who join the scheme before 31 December 2015.”

  170. We want close our attal pension scheme, we submitted application in bank for close scheme.
    our A/c no. and name is
    Arvind Kumar no. 11800675118587022 please close scheme from our a/c we give application to our bank if any information required contact to our mobile no.7566738160 my email id is :- [email protected]

  171. My APY Account No-500019125403. monthly installment Rs-752/.I think this is a best policy for getting Rs-5000/ per month.

  172. no doubts It,s a good Plane But have one demerit in this plane.because we can not switch the plan in middle time in life.we have only one option that we can get benefits only after age of 60 years or another one benefits will be go only beneficiary Nominee,s.
    so i suggest you that please give opportunity to all Indian people ,that take money any time or after some years from APY. If Possible
    Mob-9608904264

  173. The returns of this scheme are not lucarative. If some one makes a recurring deposit of Rs. 1454/- which is the monthly contribution for Rs.5000/- pension for 20 years , the maturity amount is 8.0 lacs calculated at present rates of 7.5%. The amount of interest payable every month would again be Rs.5000/- Since the government has projected this as a welfare scheme for general masses, the monthly premium should be reduced so that general masses get more than normal bank interest.

  174. Atal pension yojana is good for age less than 40 years. It is my request what plan u suggest for people more than 40 years and working in unorganized private sector.

  175. Sir, if I die before 60 years, then what benefit get my spouse and nominee in this scheme. Secondly how I know about my account status and maturity date and other details of my account, in this scheme.

    • Sir, if I die before 60 years, then what benefit get my spouse and nominee in this scheme. Secondly how I know about my account status and maturity date and other details of my account, in this scheme.

  176. KYA PENSHION FORAM APPLY KARTE HI MILNE LAG JAYE GI KYA AGAR NAHI TO KYON BHARE PAISE HUM 60 SAAL TO JIYENGE HI NAHI TO WO PAISE HAMARE KIS KAM KE

  177. 1.In case of discontinuation from the Atal Pension scheme due to inability to continue whether he will get back the already contributed amount.If yes when and how?
    2.In case of the death of the subscriber whether the spouse has to continue the contribution? or will she get the pension immediately on the death of the pensioner. Upon the death of both pensioner and spouse it is mentioned that the nominee will get the indicative amount.Please clarify how this amount is arrived and when the payment is eligible.

  178. 1). Sir, ager sarkar change ho gai.to kya atal pension yojana chalu rahega 2).bank koi APY ka certificate degi kya .3).kolkata me APY ka office kaha hai

  179. Sir I am government employ I have only new pension scheme can i enroll this scheme are not its eligible for me sir please send email mail sir please sir

  180. Sir,
    My age is 40 years & 10 months and not completed 41yrs.
    Am I eligible for Atal Pension Yojana. I dont have any Gov. Pension scheme presently.
    Thanks

  181. Dear APY Team,

    I joined in APY scheme in JUne’2015 linked with HDFC bank.Now I am thinking to close the account,due to the problem of maintaining minimum balance(Rs.10,000) in HDFC account.If I close the account now,wil the amount deducted so far,can be trasnferrred to other bank using PRAN number?

    or

    Can I start a new APY scheme with other bank.

    Please let me know as early as possible,bcz bank employees and APY scheme customer care agents are not able to answer to this problem.

  182. Sir, agar mai 5000 per month pension scheame leta hun or meri age 25 year hai to muje har month kitne rupeye bank ko APY ke ley dene honge or 60 year pure hone per muje kitne rupeye millenge aur kitne rupeya mahina pension hoge. please muje bistar se likhkar mail karen

  183. Hi I had open this Atal Pension Plan in SBI. And I had fill that relevant form to this scheme where I have mentioned in that form please debited every month Rs. 210.00 from my saving account. Hence this ediots they have debited Rs.1200 instead of Rs. 210 not only this on 30-Jam-2016 they had debited Rs. 1244 for this scheme. Hence on Today i.e. 2nd Feb, 2016 and on the same day again (2nd Feb,2016) two times they had debited Rs. 2544.00 without any information Rs.1244 debited on 2nd Feb,2016 at 9:00 am and Rs. 1300.00 debited on same day in the evening at 5:00 p.m. This is completely bulesheet plan and this government is completely bullsheet and without prior information they had debited amount from customer’s bank account. They are thief they are stoling money from customer’s bank account.

    Shame on you Mr. jately shame on you.

  184. Sir,
    I know about scheme of 5000 per month pension scheme and know if the pensioner who is death during the scheme of pension who who is getting extra amount a part from pension

  185. Dear sir,
    It is a good scheme for the persons whose age among 18-30. But is costly for the persons whose age over 30. Because Rs.1000-1456 is a large amount for lower class people as their monthly income not more than Rs. 5000. Morever they have to maintan their family from this amount. So, I think that if govt. give oportunity to age above 30 yrs persons by reluxing the monthly contribution amoun the people would be more benificient.

  186. Sir, if I die before 60 years, then what benefit get my spouse and nominee in this scheme. Secondly how I know about my account status and maturity date and other details of my account, in this scheme.

  187. I am open a Account under Atal Pension Yojana (APY)in HDFC bank and installment Rs.1196/- Pm deduct from my SB Account but no document of Atal Pension Yojana (APY)account i.e passbook/system genrated statemnet of APY account. please help what can i do for the same

    • No account document is generated or given to maintain the record of theAPY . Also can the bank be changed for paying the installment.

  188. APY Scheme is very good,but many of banks not provide procedure of online apply like sbi etc,
    once registered under this scheme banks not give any documents like APY passbook facility for to know howmany installments paid & remaining installments except acknowledgement.how to save this document upto 60years to claim the premium amount
    banks not maintained E-Documents what we submitted, if in case documents destroyed then what procedure to claim

  189. i have opened the APY IN THE MONTH OF JUNE 2015 WHETHER I GET THE INCOME TAX EXEMPTION UNDER THIS SCHEME OR NOT PLEASE INFORM ME

  190. dear sr me yeh chata hoo ki pese mere ac se kat rahe hi usaka koi bhi ditel ya istetmet bank se nhi mil rhe hi is liye aap se nivedan hi ki mughe iski ditel kaha se prat hogi gisase hm apna estetmet prat kar ske jay hid

  191. I had enrolled in atal Pension yojana 4 month ago & this is linked with my bank of baroda saving account.i regularly paid all the installment of it but what is the proof for me that i had enrolled in to this bcz i dont have any document regarding this scheme or any kind of statement..
    Please reply

  192. Respected sir/mam
    I want to know that the person who is of 20 year old will do a job in the age 23 or more ..So when he or she will do job
    How this scheme can be helpful for him as this scheme is benefited or cannot be activated for those who is doing job because he or she will be included in pf or else so .plz. Response for this in detail…

    How this scheme will be helpful for those who is doing job.

    • anybody who wants to secure his/her old age can join this scheme to get pension after 60. for any more info on any social security scheme my mobile is 9429020966

  193. Respected Sir,
    Apy scheme is good, no documents for us reg this scheme from bank, if any think happen to us in between what benefits to my family risk coverage details, if any enquiry contact no required to on this scheme.

    • Hi sir,

      I want to open APY, but I have read so many comments related documents. Like Bankers are not given any documents like passbook or e-passbook. How can track that how many amount and how many years I have pay the amount. After 60 years I have not any single document related paid amount. Than how can claim for pension. And what is the procedure.
      Please suggest.

      Regards
      Abhimannu Kumar
      9871970703

  194. I am lic agent and have a swablamban pension account from last 5 years appro. I account migrated into atal pension yojna. My age 37 my deduction is Rs. 1087/- in APY.
    Please let me know how can adjust my swablamban invest money.

    NIRMAL SINGH BHATI
    MOBILE 9829025502

  195. If subscriber enrolled at age of 40 years for apy to get pension Rs 5000/-and die at the age of 50 years is pension will be given to heis wife or not and after deah of both what benifit wull be given to nominee

  196. respected sir
    my name is PARMESHWAR and my atal pension yojna PRAN NO. 500039026918, Pls sir mere sbi bank saving account se per month 10 tarikh se pahle amount na kate,
    my contact n0. 9329957989

  197. Sir, whether a govt. Employee can open ATAL PENSION YOUJANA who has already covered under NEW PENSION SCHEME (NPS) ?

  198. What will happen to the principal deposited amount if death occurs before attaing the age of 60 yrs. What are provisions for withdrawl of partial amount if necessary and when and at what terms . Can spouse of a govt. employee be part of APYY.?

  199. मेरा स्वावलम्बन स्कीम मे पहले से ही एनरोलमेंट है तो अब वो आटोमेटिक ही अटल पेंशन स्कीम मे बदल जायेगा क्या। स्वावलंबन योजना मे जो पैसे की कटोती हुई है वो पैसा कहाँ जमा है तथा वो अटल पेंशन मे जमा हो जायेगा क्या।नहीं तो अटल पेंशन मे जाने के लिए क्या करना होगा।

  200. Respected sir
    mera umar 23 baras ab agar me is yojna me prabas karti hu to ab me jisko nominee karti hu bat me kya me nomineeko change kar sakti hu .

  201. 1).Whether any age proof is required ? if so which documents may be produced for this. 2).Before attaining age of 60 years, can benefeciary withdraw some amount if needed ? if so how , when and under what circumstances , terms and conditions ? 3). Is there any income group cap for application.

  202. For other Enquiry
    Genius Servive Point
    Main MAreket Near Kali Mandir
    Aliganj Eah 207247
    8057395550
    05740-257048

  203. My name is K.Subramanyam and my mobile no.09849919604 living in Guntakal of Andhrapradesh state. Any insurance cover available for death of subscriber.

  204. good scheme, but ihave some doudts,can you please clarifi it.

    if the govt changes after or in five,this scheme will be stable or any changes in this scheme?

    ok after maturity the account holder will get the pension,according to the table.after his or her death how much amount will the nominee will get.

    can please clarify about this

  205. What about of investetd mony if i am getting the PR of other contry nd i whish to settel there.

  206. If i fail to deposite installment after 5 years under Atal pension yojona scheme then what will be the future of my deposited money

  207. If any one want to close account then what process required? In March 7 month installment taken from my account. It’s hampered me lot please help.

  208. if applicant is expired after 1 or 2 years then what about policy. it is continue or policy dissolved. what about policy
    nominee benefits

  209. Can APY be closed in between once started. If yes then what is the procedure for closing, refunding the money etc.
    regards

    • yes, voluntary exit is possible, give the a/c closure application form to your bank and get their signature on zerox copy. also see pfrda.gov.in website, every info is there.for any info on any social security scheme contact on my mobile no. 9429020966.

  210. Jai sai ram. I m 55 and want to join Atal Pension Yojna. Can you let me know if i can join that scheme & in which bank in delhi?
    thanking you.
    sunny tangri.
    mibile no. – 09868719688.

  211. My brother and sister-in-law have registered under it and since than regularly the money is being detected from the account. I had no document when the scheme has been started by us. On approaching the Bank they told us that you have the Passbook of the bank. On maturity after 32 years how one will link with it. Please guide me in this regard. Whether bank is not providing any acknowledgement of commencement of the scheme by any individual.

  212. Dear Sir / Madam

    I wish to know will govt issue PASSBOOK for this pension plan ? Payment is getting deducted monthly from my IDBI account but there is no proof where it is going ?

    Will any body give me correct information to me on my mobile no 99675\\78211

  213. Is this monthly premium of Atal pension yojna deduct in 80c.
    How much monthly premium , if pension will 5000 per month
    My DOB is 07/12/1986.

  214. I am working with Police Department and i am not under pension scheme of govt. Now i present age is 42 years. is there any option for join under this scheme.

  215. I am working private sector and I have a PF account then I can able to get atat pension yojona?

  216. my apy in mistek my brithday date becuse I Can APY be closed. If yes then what is the procedure for closing, refunding the money etc.
    regards

  217. sir, I am AP state government employee. I want to spend some amount in any. but I have already pran account of cps. so plz clarify me.

  218. Sir meri mane 39 ki age mae apy schme mae apply kiya aur agar 60yrs we pehle meri death ho jati hai to meri spouse ko pension kab aur kaise milegi aur agar meri death 60yrs pure karne ke bad hoti hai tab kaise treat hoga

  219. I AM KESHAB SAMANTA AGE 48 YEARS OLD. SO I WISH TO DO PMAPY PLAN OF NAME OF MY WIFE AGE 34 YEARS. BUT SHE IS HOUSE WIFE HAVE NO ANY INCOME. I HAVE TO PAY HE PRENIUM.
    1. IF I WILL GET TAX BENIFIT OF 80CC SCHIM. FO PAYING HER PRENIUM.?

    2. IF DEATH OF MYSELF NO OTHER PERSON TO RUN THIS PLAN THEN WHAT WILL BE THE PLAN POSITION?

    3. IF DEATH OF MY WIFE THEN WHAT WILL BE THE PLAN POSITION?

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  221. Dear Sir I’m BPL card holder and I’m getting gas subsidy through bank I don’t know whether my account is linked to Jan dhan yogna & and my wife is already enrolled with atal pension yogna scheme can we both get benefit of Hospital insurance scheme of 100000 Which is going to implement in may 2016

  222. I have enrollend for atal pension yojana 3 months before from sbi naxalbari bank in west bengal however the deduction of per month contribution not yet started, i have approached bank but they r saying account is active but we cant check or do anything , please suggest what to do . I have enrolled along with my wife but same situation in both account. We dont know where to contact.

  223. my date of birth is 13/08/1975. How should I take this policy. Currently I’m doing marketing, my income is not sufficient to meet basic needs. No property, till now no need to pay tax payer. My question is if I took Atal Pension Yojana, continuing up to the age of 60 years, during these 20 years, by the grace of God If I purchase Plot /flaat/ independent house. I’ve to pay property tax, Should I benefit monthly pention or not ? Entire contributing money will be wasted or not. Pls reply me. I’m waiting for your reply.

  224. Dear Sir/Madam,

    If I apply this pension scheme so what document will be give to me from Bank or Post Office for Future Reference and claim work,

    Please give reply,

  225. I have ATAL Pention Yojana but i paid through sbi
    but i want to change the bank a/c to bank of baroda is it
    possible to change .if it is possible please send the details

    Regards,

    Abilash G Nair

  226. I want to close my APY accounts but also need to requirement for refund my APY installment.

    Pls suggest next course of action……….

  227. Sir, I applied for atal pension yojana scheme and Rs 1196 has been debited from my account. But still now I didn’t receive the PRAN card. Please ensure when will you despatch PRAN card?
    Thanking you sir
    Yours faithfully,
    V.L.Prasad

  228. I want to start this policy but have a query if due to some reasons the policy discontinued in between before age of 60, than what will the proceedure to withdraw the amt and when can be withdrawn. And up to what age pension will be continued ca we withdraw the amt after age of 60 or more.

  229. Iam joined Atal pension yojana monthly paid my account not issue bond s and payment details I want payment status please empermation my email account

  230. i had opted for apy and 1 instalment bounced from then the bank has stooped debiting the amt what happens to amt invested and can the scheme be continued
    pls give some advice

  231. I am working in a private organisation, They are deducted PF from my salary & deposited into RPFC. I have also PPF a/c in SBI. Can I join this APY Scheme? Please advise.

    Regards
    Soumen Chakraborty
    #9830775507

  232. I am open a Account under Atal Pension Yojana (APY)in central bank of india and installment Rs.582/- Pm deduct from my SB Account but no document of Atal Pension Yojana (APY)account i.e passbook/system genrated statemnet of APY account. please help what can i do for the same

    • Good pension plan bahut sare penstion plan se compare karne ke bad mai aur mere wife done ne ye plan le liye hai

    • Sir, I opened a apy account on sbi pipili before 18th month but again I opened another account at cbi pipili. Both accounts are running in my favour which is illegal. I want to change it my wife’s name. Is it possible to have my wife’sname or close the account? My number -09861445702.

  233. Sir, many bank is saying that they have any kind of scheme for atal pension yojna plz. Help how can I invest in this scheme.

    • apy ke koi pakki proof nahi de raha hai bank.investment karne me problem ho raha hai sir.plssssss guide kare sir.

  234. After the death of contrubuter before 60 yes when will spouse get pension at 60 us it is not clear

  235. Hey,

    I had enrolled for the Atal Pension Yojna Sceme with my bank.
    My monthly installment is also started but I cant receive any documentary evidence of an member of the scheme.
    Bank also denied me for any documents regard this.
    Will u please suggest me the exact sway of transactions.

    Regards,
    Rupesh

  236. mainatal pension yojana re monthly Rs1318 deposit karratahu
    if aperson dead before age 60 .how can its spouse or nomine can avail the benifits.

  237. It is good scheme special for those people who work Pvt Company and salary between 7-10 thousand. But no any enquairy about this scheme, and no any document get to scheme holder. So in future how scheme holder claim this scheme.

  238. Dear sir i have one sb a/c in gadwal sbi branch a/c no:10897491480 already Rs:8168/- deducting for atal pension yojana but how much monthly instalment bank managerwas not know.please clarify my problem sir for next regular payment paying purpose.

  239. I do not know this yojna no body tall me after sixty year how much money you will be pay..

  240. It is very good opportunity to people those who below poverty line. And at old age some are facing many problems, without children support. But if aware in people must help ATAL PENSION YOJANA. Thanks for Govt, aim to serve people.please utilize.

  241. i want to increase my contribution in APY.plz say me how to do.or plz send me a link to get pension 5000

    • Sir
      I want to know about that APY .I enroll this yojna and my age is 33 years old . I pay only there installment and my death. Yet my nominee received what.
      Please tell me about it.

  242. pension nahi leke 60yrs me pura amount le sakta hai? interest kitna persentage milega ? aur yadi holder ko bich me koi accident ya normal death hota hai to kya..milega?

  243. Dear Sir,
    I am 70 years old and drawing the pension under EPF scheme .Earlier I was getting 368 rs now that with the help of Honourable prime minister we are getting 1000rs as pension.But as you are quite aware that that much money is not enough to run the house when the couple is staying all alone.Besides my husband is having dementia ,he is not able to see as he is having scar in one of his eyes and in second eye the vision is very less hearing is nil.Under the circumstances we request you to help us in getting social security to the SENIOR CITIZEN.

  244. when i was open the Atal Pension Yojana (APY) account my name was misspelt as suba. Now I want to correct my name. how can i correct it?

  245. Sir mane one thousand per month pension wala account open kiya
    ha ab main ese two thousand per month karna chatha hon please
    ye kase hoga

  246. govt employees are eligible to to apply Atal pension yojana or nt.. if they already have oped nps.

  247. I wants to enrolled my name in Atal pension jojona (apj) but in our city the bank have no any circular on it.So how I will I apply for this scheme ?

  248. I am regularly receiving this sms either regularaise my APY acount
    “Your APY account is not regular. Kindly regularize by paying all pending installments immediately. For further details, approach your bank Or close it please reply shortly….
    Nitu gogoi
    .arunachal pradesh

  249. Sir
    I am 25 old.and I want to join in scheme.but one doubt .1000₹ pension will be provided by state government to whom completed 60 years old.so can I get state pension and benefits of this scheme?

    Pls tell me urgent

  250. I am not able to contact APY correct person I want to talk him pls give me that number pls I have some problem the APY installments not takning properly pls give me that contact number

  251. Dear sir,
    I have account of Atal pension yojna.here I would like to ask that I already opened account before one year and if I want to pay whole money of remain years can I pay ? Please assist me.

    Regards,

  252. Sir I am a state government employee with nps system. I want to know can I open Apy in my saving bank account?

  253. I have taken the APY scheme in which 990 rs.is deducted every month from my account…but I have not recieved any bond or policy paper, I am really in dilemma about this scheme as neither the bank or any authority is having clear view of this scheme…who will do the payment nice I will attend the age of 60, bank or govt???
    Kindly clear my doubt…as I am contractual teaching staff in a University.

  254. I am holding APY account in UCO bank from 2015,Regarding Atal pension yojana ,is any option is available to view or take statement of Atal Pension yojana?which is the website for Atal pension yojana for getting the details?.How can i change APY Account From uco bank to my Punjab national bank account?

    RegardsSudheesh
    Kerala india

  255. If wife is already subscribed to atal pension yogna scheme monthly contribution , can husband also apply for apy scheme

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