Atal Pension Yojana

By | February 13, 2024

Atal Pension Yojana

The central government has launched the Atal Pension Scheme to guarantee pension every month after retirement with low investment. Let us know about it.

Take advantage of the Atal Pension Plan. He will get a pension of Rs. 60,000 per year. If you invest from an early age, you will get benefits


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In Atal Pension Scheme you get a monthly pension guarantee of Rs.1000 to Rs.5000. A person up to the age of 40 can apply for a permanent pension plan. Atal Yojana aims to bring every phase under pension. However, the Pension Fund Regulatory and Development Authority (PFRDA) has recommended to the government to increase the maximum age under the Atal Pension Scheme.
The sooner you join this plan the sooner you will be able to reap the benefits. If you
If you start investing in 18 years, you will have to deposit Rs 210 per month for a monthly pension of Rs 5,000 after the age of 60. The government is guaranteeing an annual lifetime pension of Rs 5,000 at the age of 60 on an investment of just Rs 1,239 every six months.

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According to the existing rules, at the age of 18, if you join for a maximum pension of Rs 5,000 per month, you will have to pay Rs 210 per month.

The sooner you join the scheme, the less you will have to invest.

The younger you join this government scheme, the lower the premium and the higher the benefits. Suppose you join at the age of 35 for a 5000 pension, you will have to deposit Rs 5,323 every 6 months for 25 years. Your total investment will be Rs 2.66 lakh. On which you will get 5 thousand monthly pension every month. When you join at the age of 18, your total investment will be only Rs 1.04 lakh.

Features of Atal Pension Scheme.

You can take monthly, quarterly or 6 month plan for payment.

You have to pay for this investment for 42 years
In return for the investment, after 60 years, you will get Rs. 5000 per month.

You will get the benefit of income tax exemption under 80 CCD under the rules of income tax.

If both the spouses die, the amount will be given to the nominee.

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