Atal Pension Yojana Calculator
Calculate monthly pension under government's Atal Pension Yojana. Guaranteed pension ₹1,000-5,000/month for unorganized sector.
Required Monthly Contribution
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What is Atal Pension Yojana?
Atal Pension Yojana (APY) is India's 2015 social security scheme for unorganized sector workers. Provides guaranteed monthly pension ₹1,000-5,000 from age 60. Open to Indians 18-40 years. Spouse continues receiving pension after subscriber's death. Nominee receives accumulated corpus after both pass away. Government-backed and PFRDA-regulated.
How to use
- Enter current age — 18-40 (must be 40 or below to enroll)
- Choose pension slab — ₹1K, 2K, 3K, 4K, or 5K monthly
- View contribution — Monthly amount you must pay till 60
- Plan retirement — Spouse and nominee also covered
Tips
- Younger age = lower monthly contribution
- 80C tax benefit on contribution
- Auto-debit from bank account required
- Lump sum option available at retirement (with reduced pension)
FAQs
Can I change pension slab?
Once a year, in April. Subject to feasibility and bank approval.
Tax benefits?
Section 80C and 80CCD(1) deductions on contribution. Pension received is taxable at slab rate.
What if I withdraw early?
Discouraged. Premature exit allowed only for terminal illness or death; reduces benefit.
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