Atal Pension Yojana: If you are worried about retirement, then this government scheme will help you for that. In this, you can prepare for your retirement by investing a small amount every month. Let’s know what is this plan…
If you want to do government job and get pension, then this news becomes important for you. Actually, we are going to tell you about such a scheme, in which you will get guaranteed pension on low investment. We are talking about the Atal Pension Yojana of the Central Government. This scheme can become the support of your old age. This scheme was launched by PM Modi in the year 2015.
Both husband and wife will get benefit
Both husband and wife can take advantage of Atal Pension Yojana, in which if both invest separately, they can get a monthly pension of up to 10 thousand rupees. Let us tell you that in the Atal Pension Yojana, after crossing the age of 60 years, the government guarantees a pension of Rs 1000 to Rs 5000 per month.
things needed for planning
Any person at the age of 40 years can apply for Atal Pension Yojana. For this you need to have a bank account. To open an account under Atal Yojana, it is also necessary to be linked with Aadhar card.
Who can take advantage
Atal Pension Yojana is a very famous pension scheme among people, who are already taking benefits of schemes like EPF (Employees’ Provident Fund), EPS (Employees’ Pension Scheme), they cannot be part of Atal Pension Yojana. .
This means that only those people who are outside the income tax slab can get the benefit of Atal Pension Yojana.
Will have to invest so much every month
If a person joins this pension scheme at the age of 18, then he will have to invest Rs 210 every month and after retirement he will get a pension of 5000 every month. At the same time, if someone joins this scheme after the age of 18, then according to his age, the amount to be invested every month will also be slightly higher.
Guaranteed pension
Under this scheme, a guaranteed monthly pension of Rs 1000 to Rs 5000 is available after retirement. Those who want to take benefits under this pension scheme can open Atal Pension Account through post office and bank.
Benefits of APY
There are two benefits of this scheme, first pension and second income tax exemption. This scheme gives minimum guaranteed monthly pension of 1000 to 5000 rupees to people from the age of 60 years.
Under this pension scheme of the government, persons from 18 years to 40 years of age can join.
In this, there is a provision to give a fixed pension amount to the investor after the age of 60 years or the same guaranteed pension to his spouse after the death of the investor.
what will happen in case of death
In case of untimely death of the person who is associated with this scheme, then there is also a provision to continue the benefit to his family. If the person associated with Atal Pension Yojana dies, then there is a provision to get pension to his wife. On the other hand, if the wife dies, then in such a situation there is a provision of getting pension to the children.
how to apply online
You can apply online for Atal Pension Yojana in 5 steps. For this, first you have to go to the mobile app of Atal Pension Yojana or the link of https://enps.nsdl.com/eNPS/NationalPensionSystem.html .
- After this you have to click on APY application.
- Now enter your Aadhar card details.
- After this, One Time Password (OTP) will come on the mobile number linked to Aadhaar.
- Â Enter the One Time Password in the appropriate bracket.
- After this, give the details of the bank, in which type the account number and address.
- The bank will verify these information, then your account will be activated.
- After this, you give information about the nominee and premium payment.
- Your registration for Atal Pension Yojana will be completed on e-signing the form for verification.
