Pradhan Mantri Atal Pension Yojana (PMAPY) is one amongst the trio of social security schemes launched by the 2014 elected government of India to ensure universal social security system. It was the result of the success after launching phase I of achieving social security system, i.e., Pradhan Mantri Jan Dhan Yojana (PMJDY). As the part of phase II, two insurance schemes along with a pension scheme, which is PMAPY, were launched in order to boost the process of achieving universal social security for India. Today, find out step by step Guide to Pradhan Mantri Atal Pension Yojana (PMAPY).
Atal Pension Yojana Hindi को लागु किया गया है क्योकि अटल पेंशन योजना Online की वजह से जो लोग व्यवसाय कर रहे होते है या मजदूरी पर अपना गुजरान चला रहे होते है उन्हें अपने बुढ़ापे में कोई आर्थिक तकलीफ ना हो. इस आर्टिकल में आपको Atal Pension Yojana Details में, How to Apply फॉर अटल पेंशन योजना, और अटल पेंशन योजना form भी यहाँ से डाउनलोड कर सकते हो| आपको इस आर्टिकल में आपको Atal Pension Yojana Bnefits भी जानिए.
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Apply Pradhan Mantri Atal Pension Yojana (PMAPY) Step by Step Guide
Atal Pension Yojana or APY guarantees a minimum pension of Rs. 1k, 2k, 3k, 4k and 5k to the workers who are the citizens of India and are employed in the unorganized sector. One could claim these monetary benefits once the 60 years age threshold reaches. The amount of pension scheme varies from 1k to 5k, which is totally dependent on the subscriber’s amount of contribution to the scheme.
How to Apply for Atal pension Account(PMAPY)?
How to Apply फॉर अटल पेंशन योजना?
अटल पेंशन योजना Online
Following are step by step Guide to Apply for Atal Pension Account.
Step:1 Contact the bank where you have a savings account.
Step:2 Ask for the APY registration form
Step:3 Fill it carefully and provide the details of your Aadhaar card
Step:4 Mention your mobile number and contact details mentioned in the form.
Step:5 Make sure that you maintain the required minimum balance in your savings account,
Step:6 Your contribution amount will get deducted from your account on the monthly basis.
What is Atal Pension Yojana?
Inception: Atal Pension Yojana came into effect from May 2015 as National Pension Scheme with the primary focus of benefitting the people in the unorganized sector so that they can enjoy a reserve-future earning with little contribution per month. In addition, those people working in the private sector can also avail the benefits of this scheme–choosing what amount of pension they want to attain, i.e., ranging between 1000-5000—if the company or organization they work for is not providing them secured retirement earnings.
Pradhan Mantri Atal Pension Yojana Regulatory body: The amount collected under the scheme is to be managed by Pension Funds Regulatory Authority of India (PFRDA) as per the investment pattern specified by the Government of India. Individual applicants will have no choice of pension funds or investment allocation.
Pradhan Mantri Atal Pension Yojana Benefits: The Atal Pension Scheme will convey security to Indians on the cusp of retirement while in the meantime advance a culture of savings among the poverty-stricken class of the society. One of the best advantages of the scheme might be appreciated by the poorer areas of society. The government of India has chosen to contribute 50 percent of the subscriber’s contribution or INR 1,000 a year (whichever is lower) for a period of five years. This contribution will be that as it may be benefitted in just by the individuals who are not salaried citizens and the individuals who joined the plan before 31 December 2015.
Pradhan Mantri Atal Pension Yojana Eligibility: Any individual between the age group of 18-40 having a savings bank account is eligible to avail the benefits of this scheme. Also, all existing members of the government’s ‘Swavalamban Yojana NPS Lite’ will automatically be migrated to the Atal Pension Yojana. On the contrary, any person who is covered under other statutory social security schemes does not qualify to get the government’s contribution.
Pradhan Mantri Atal Pension Yojana Enrolment: One has to fill out an authorization form in entirety and submit the same to his/her bank. In order to ensure smooth maintenance and functioning of the scheme, the subscribed account holder has to ensure that there is sufficient amount of balance in his/her savings bank account, not compliance to such would attract a penalty depending upon the pre-determined terms and conditions. However, no payment for a period of 24 months towards the scheme, then the holder’s account will be closed.
Pradhan Mantri Atal Pension Yojana Deposit norms: The initial date on which the account holder has deposited the money would be the due date for the payment of contribution which is to be made for enjoying the benefits of Pradhan Mantri Atal Pension Yojana (PMAPY).
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