Atal Pension Yojana (APY)

এটি কী?

APY gives workers outside the formal pension system a way to build a guaranteed retirement income. You pick a target monthly pension between Rs 1,000 and Rs 5,000 and contribute a fixed amount, auto-debited from your savings account, until you turn sixty.

What you contribute depends on the pension you choose and, crucially, on how young you are when you join. Joining at eighteen costs a fraction of joining at forty for the same pension. Contributions must run for at least twenty years.

The pension amount is guaranteed by the Government of India: if investment returns fall short the government makes up the difference, and if they exceed expectations the surplus is passed to you. On your death your spouse receives the same pension for life, and after both of you the accumulated pension wealth goes to your nominee.

সম্ভাব্য সুবিধা

₹1,000 – ₹5,000 per month from age 60

A guaranteed monthly pension of Rs 1,000, Rs 2,000, Rs 3,000, Rs 4,000 or Rs 5,000 from age 60 for life, continuing to your spouse for life. Monthly contributions range from about Rs 42 to Rs 210 if you join at 18, and about Rs 291 to Rs 1,454 if you join at 40, depending on the pension chosen. Minimum contribution period 20 years.

কারা আবেদন করতে পারেন?

• Age between 18 and 40

  এই তথ্য কোথা থেকে এসেছে

  The age of the subscriber should be between 18 and 40 years.

  সরকারি উৎস ↗
• You have a bank or post office savings account

  এই তথ্য কোথা থেকে এসেছে

  No, the savings bank account/ post office savings bank account is mandatory for joining APY.

  সরকারি উৎস ↗

সরকারের জানানো অন্যান্য শর্ত

• You must be aged between 18 and 40 to join.
• A savings bank account or post office savings account is mandatory.
• Any citizen of India can join, including non-resident Indians aged 18 to 40 with a qualifying bank account.
• Only one APY account per person.
• Employment status is not a bar. Government and public sector employees, and existing NPS subscribers, may join.
• Note that official sources disagree on whether income tax payers can join. See the note below and check with your bank.

যোগ্যতা সংক্রান্ত তথ্য কেবল জানানোর উদ্দেশ্যে দেওয়া। চূড়ান্ত যোগ্যতা ও অনুমোদন নির্ধারণ করে সংশ্লিষ্ট সরকারি কর্তৃপক্ষ।

যে নথিগুলি লাগবে

• Aadhaar number
• Savings bank account or post office savings account
• Nominee details (mandatory)

কীভাবে আবেদন করবেন

Approach the bank branch or post office where your savings account is held, or open a savings account first. Fill the APY registration form choosing a pension slab and contribution frequency, and provide your Aadhaar and nominee details. Contributions are then auto-debited from your savings account until you turn 60.

কোথায় আবেদন করবেন: bank and offline

শেষ তারিখ

কোনও নির্দিষ্ট শেষ তারিখ নেই। আবেদন সারা বছর নেওয়া হয়।