Atal Pension Yojna || Government Yojana full Details

Atal Pension Yojna || Government Yojana full Details

To join the scheme one needs to have a savings bank account, Aadhaar and active mobile number. If a person takes this scheme after 60, he has to invest at least 20 years to get pension
If you have not taken any pension plan till date and you want to take a plan in which you want to be entitled to a pension by paying less then the Central Government's Atal Pension Scheme is right for you. Under this, on reaching the age of 60, one gets a pension of Rs.1000 to Rs.5000 per month. It can be invested by a person between the ages of 18 and 40.

Anyone between the ages of 18 and 40 can open an account

• Anyone between the ages of 18 and 40 can open an Atal Pension Scheme account
• To join the scheme, one needs to have a savings bank account, Aadhaar and an active mobile number
• If a person takes this scheme, he has to invest at least 20 years.
• Investors can invest monthly, quarterly or semi-annual i.e. for a period of 6 months.
• Contribution will be auto debited. That is, the fixed amount will be automatically deducted from your account and credited to your pension account.
• How much will be deducted depends on how much pension you want after retirement.
• In it you can claim tax benefit up to Rs 1.5 lakh under section 80c.

You can make a contribution of Rs 42 to 210 per month

• For a pension of Rs 1,000 to Rs 5,000 per month, the subscriber will have to pay from Rs 42 to Rs 210 per month. This will happen when the plan is taken at the age of 18.
• On the other hand, if a subscriber takes up the scheme at the age of 40, he will have to make a monthly contribution ranging from Rs 291 to Rs 1454.
• The more the subscriber contributes, the more pension he will get after retirement. However, it should not exceed Rs 5,000. That is why the contribution will also be according to it.
• How to open an account

You can open an account by going to any bank

• You can download the Atal Pension Plan form online
• You will have to fill up this form and deposit it in the bank branch
• In addition, a photocopy of your mobile number and Aadhaar card will also have to be submitted.
• You will receive a confirmation message after the application is approved.
• An online account can be opened in SBI

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If you have an account with SBI Bank, you can avail this scheme through Net Banking

• You must first login to SBI to apply.
• Then click on the e-Services link
• A new window will open with a link to the Social Security Scheme. There you have to click.
• Then you will see 3 options, PMJJBY / PMSBY / APY. Here you have to click on APY i.e. Atal Pension Plan.
• Then you have to fill in your complete information. In which correct account number, name, age and address information should be given.
• Which option are you choosing in the pension option, such as Rs. 5000 per month
• Monthly contributions will then be determined based on your age.