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Atal Pension Yojana (APY)

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Atal Pension (APY) — 60 saal ke baad jeevan-bhar ₹1,000 se ₹5,000 tak har mahina sarkar-garanti pension; pati/patni ko bhi wahi pension jaari

Seedha jawaab: 60 saal ke baad jeevan-bhar ₹1,000 se ₹5,000 tak har mahina sarkar-garanti pension; pati/patni ko bhi wahi pension jaari.

Vibhag: Pension Fund Regulatory and Development Authority (PFRDA), Vitt Mantralaya, Bharat Sarkar · Official portal: www.jansuraksha.gov.in · Helpline: 1800110069 · Jankari antim baar verify: 2026-10-20

Yojana ke baare me

Atal Pension Yojana (APY) Bharat Sarkar ki garanti-shuda pension yojana hai — 9 May 2015 ko shuru, 1 June 2015 se lagu — jo khaas taur par asangathit kshetra ke shramikon ke liye hai. Ise PFRDA, National Pension System (NPS) ki sanrachna ke antargat chalata hai. 18 se 40 saal ka Bharatiya nagrik apne bank ya post office bachat khaate se jud sakta hai; chuninda pension slab ke hisab se har mahina/teen-mahina/chhah-mahina yogdaan auto-debit hota hai aur 60 saal ke baad ₹1,000, ₹2,000, ₹3,000, ₹4,000 ya ₹5,000 ki tay pension jeevan-bhar milti hai. Graahk ki mrityu par wahi pension pati/patni ko milti hai, aur dono ki mrityu ke baad 60 saal tak jama pension sampatti nominee ko lautayi jati hai. 1 October 2022 se aay-kar (income tax) dene wala vyakti naya APY khaata nahi khol sakta.

Kaun patr hai ✓

  • Bharatiya nagrik jiski umar judne ke samay 18 se 40 saal ke beech ho
  • Bank me bachat khaata (savings bank account) ya post office bachat khaata ho — yogdaan isi khaate se auto-debit hota hai
  • 1 October 2022 se lagu niyam: jo vyakti aay-kar (income tax) bharta hai ya kabhi bharta raha hai, wo naya APY khaata kholne ke patr nahi hai (PFRDA ki aadhikarik suchna ke anusaar)
  • Kam se kam 20 saal tak yogdaan karna hota hai (judne ki umar ke hisab se 60 saal tak)
  • Yojana khaas taur par asangathit kshetra ke shramikon — mazdoor, kisan, chhote dukaan-sahayak, ghar kaam karne wale aadi — ke liye banayi gayi hai, lekin shartein poori karne wala koi bhi nagrik jud sakta hai

Kaun patr NAHI hai ✗

  • 40 saal se zyada umar par naya khaata nahi khulta (adhiktam pravesh umar 40 saal hai)
  • 1 October 2022 ke baad aay-kar bharta (income-tax payer) naya APY khaata nahi khol sakta — is tareekh se pehle khule khaaton par ye bandish naye khaate ke roop me lagu nahi hoti; apni sthiti bank/PFRDA par confirm karein
  • Jiske paas bank/post office bachat khaata hi nahi hai, wo pehle khaata khole bina nahi jud sakta
  • Ek vyakti ka ek hi APY khaata hota hai — dusra khaata nahi khulta

Patrata ke niyam samay-samay par badal sakte hain. Awedan se pehle apni sthiti official portal par confirm zaroor karein.

Kaunse documents chahiye

Apply kaise karein — step by step

  1. Apni bank ya post office shakha par jayeinAPY khaata usi bank/post office se khulta hai jahan aapka bachat khaata hai. Shakha se APY registration form lein. Kai bank net-banking/mobile app se e-APY ki suvidha bhi dete hain — apne bank par confirm karein.
  2. Pension slab chunein₹1,000, ₹2,000, ₹3,000, ₹4,000 ya ₹5,000 — 60 saal ke baad kitni mahina pension chahiye, wo slab chunein. Yogdaan aapki judne ki umar aur chune slab se tay hota hai: 18 saal par ₹1,000 pension ke liye ₹42/mahina aur ₹5,000 ke liye ₹210/mahina; 40 saal par wahi ₹291 aur ₹1,454/mahina hai (PIB/PFRDA contribution table). Beech ki umron ki pakki rakam shakha ya official contribution chart par confirm karein.
  3. Form bharein aur auto-debit ki sahmati deinForm me apni jankari, pati/patni aur nominee ka vivaran bharein aur bachat khaate se yogdaan ke auto-debit ki sahmati dein. Yogdaan mahina, teen-mahina ya chhah-mahina — in teeno me se kisi ek aavritti se kata ja sakta hai.
  4. PRAN/khaata vivaran surakshit rakheinKhaata khulne par aapko APY khaate ka vivaran/PRAN milega. Khaate me hamesha itna balance rakhein ki auto-debit samay par ho jaye — yogdaan rukne par penalty lag sakti hai aur khaata sthiti prabhavit ho sakti hai (vivaran bank par confirm karein).
  5. 60 saal tak yogdaan jaari rakhein60 saal ki umar poori hone tak yogdaan bharte rahein. 60 ke baad tay pension har mahina milni shuru hogi, jo jeevan-bhar jaari rahegi.

Status / kist kaise check karein

  1. Bank/post office shakha se statement leinAPY ka yogdaan aur khaata sthiti aapki shakha se milegi; bank passbook me auto-debit ki pravishtiyan bhi dikhti hain.
  2. NSDL/e-APY portal par dekheinAPY se judi online sewayein NSDL (Protean) CRA ke dwara di jati hain — PIB ke anusaar APY Help Desk aur chatbot bhi CRA par uplabdh hai. Apne PRAN/khaata vivaran se login karke jankari dekhi ja sakti hai; portal ki pakki link apni shakha ya pfrda.org.in se confirm karein.
  3. Helpline par sampark kareinAPY Help Desk (PFRDA) toll-free number 1800110069 hai (PFRDA Citizen Charter ke anusaar). Shikayat aap npscra.nsdl.co.in par NPS Lite/APY vikalp se bhi darj kara sakte hain.
  4. Yogdaan ruk gaya ho toTurant shakha jayein — bakaaya yogdaan aur lagu penalty ke saath khaata dobara sakriya karane ki prakriya shakha batayegi. Lambi der tak yogdaan na bharne par khaata freeze/band ho sakta hai, isliye der na karein (pakke niyam shakha/official chart par confirm karein).
Thagi se bachein: Awedan bilkul muft hai. Koi vyakti naam jodne ya kist jaldi dilane ke paise mange, OTP mange, to turant mana karein aur helpline 1800110069 ya najdeeki police se shikayat karein. Apply hamesha sirf official portal (www.jansuraksha.gov.in) se karein.

Aksar puche jaane wale sawal (FAQ)

Atal Pension Yojana me kitni pension milti hai?

60 saal ke baad har mahina ₹1,000, ₹2,000, ₹3,000, ₹4,000 ya ₹5,000 — jo slab aapne chuna ho. Ye Kendriya Sarkar ki garanti-shuda nyuntam pension hai, jeevan-bhar milti hai, aur graahk ke baad wahi rakam pati/patni ko jaari rehti hai.

APY me har mahina kitna paisa bharna padta hai?

Yogdaan judne ki umar aur pension slab par nirbhar hai. Official (PIB/PFRDA) table ke anusaar 18 saal par judne par ₹42 (₹1,000 pension) se ₹210 (₹5,000 pension) pratimah, aur 40 saal par judne par ₹291 se ₹1,454 pratimah hai. Jitni jaldi judenge, utna kam yogdaan. Apni umar ki pakki rakam bank shakha ya official contribution chart par confirm karein.

Kya income tax dene wala APY khaata khol sakta hai?

Naya khaata — nahi. PFRDA ki suchna ke anusaar 1 October 2022 se koi bhi nagrik jo aay-kar bharta hai ya kabhi bharta raha hai, naya APY khaata kholne ke patr nahi hai. Is niyam se pehle khule khaate apne niyamon se chalte rahte hain.

APY khaata kahan khulta hai? Online khul sakta hai kya?

Khaata us bank ya post office shakha se khulta hai jahan aapka bachat khaata hai. Iske alawa kai bank e-APY/net-banking/mobile app se judne ki suvidha dete hain — PIB ne online channelon (e-APY, net-banking, mobile app) ka ullekh kiya hai; apne bank par uplabdhata confirm karein.

60 saal se pehle APY band kar sakte hain kya?

Aam taur par nahi. PIB ke anusaar 60 se pehle bahar nikalna sirf mrityu ya gambhir (terminal) beemari jaise mamlo me sambhav hai. Swaichhik (voluntary) exit ki anumati par sirf aapka apna yogdaan byaj sahit milta hai aur sarkari sah-yogdaan (yadi mila ho) jabt ho jata hai — pakki shartein aur prakriya apni shakha par confirm karein.

Graahk ki mrityu ho jaye to parivaar ko kya milta hai?

60 ke baad mrityu par wahi pension pati/patni ko jaari rehti hai; dono ki mrityu ke baad 60 saal tak jama kul pension sampatti nominee ko di jati hai. 60 se pehle mrityu par pati/patni ke paas vikalp hota hai ki wo khaate me yogdaan us samay tak jaari rakhe jab tak mool graahk 60 ka hota — uske baad unhe pension milegi (PIB vivaran ke anusaar).

Jankari ke srot (Sources)

Koi jankari purani ya galat lage to Contact page par batayein — official source se verify karke turant sudhara jayega.

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Atal Pension (APY) — WhatsApp share poster

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