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Atal pension yojana online Apply || Atal pension yojana Benefits

Indrajit

নমস্কার বন্ধুরা, আজকের এই পোস্টের মাধ্যমে আপনাদের বলবে যে বর্তমানে Atal pension yojana অনলাইন আবেদন শুরু হয়ে গেছে | কিভাবে অনলাইন আবেদন করবেন সেটাই পোস্টের মাধ্যমে আপনাদের বলব |

Details :

Atal Pension Yojana (APY) is an old age income security scheme for all the savings account holder between age group 18-40. The scheme also address the longevity risks among the workers in unorganized sector and encourages the workers to voluntarily save for their retirement.

Focus of APY :
The scheme is mainly targeted at unorganized sector workers.

APY Subscriber Contribution Chart –  https://www.npscra.nsdl.co.in/nsdl/scheme-details/APY_Subscribers_Contribution_Chart_1.pdf

 

Benefits : 
(i) Guaranteed minimum pension amount: Each subscriber under APY shall receive a guaranteed minimum pension of Rs. 1000 per month or Rs. 2000 per month or Rs. 3000 per month or Rs. 4000 per month or Rs. 5000 per month, after the age of 60 years until death.
(ii) Guaranteed minimum pension amount to the spouse: After the subscriber’s demise, the spouse of the subscriber shall be entitled to receive the same pension amount as that of the subscriber,until the death of the spouse.
(iii) Return of the pension wealth to the nominee of the subscriber: After the demise of both the subscriber and the spouse, the nominee of the subscriber shall be entitled to receive the pension wealth, as accumulated till age 60 years of the subscriber.
Eligibility :
The minimum age of joining APY is 18 years and maximum age is 40 years. The age of exit and start of pension would be 60 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more.
All bank account holders under the eligible category may join APY with auto debit facility to accounts.
Documents Required :
  • Aadhaar Card
  • Active Bank/Post office savings Account Details
Application Process :

Process 1 :

    1. One can also open an APY account online using one’s bank’s Net banking facility.
    2. The applicant can login into his/her internet banking account and search for APY on dashboard.
    3. Customer has to fill some basic and Nominee details.
    4. Customer has to give consent of auto debit of premium from the account and submit the form

Process 2 :

Visit website – https://enps.nsdl.com/eNPS/NationalPensionSystem.html

and select – Atal Pension Yojana.

Select “APY Registration”

Fill the basic details in the form. One can complete KYC through 3 options –

  • Offline KYC – Where one has to upload XML file of Aadhaar
  • Aadhaar – Where KYC is done through OTP verification on Mobile Number register with Aadhaar
  • Virtual ID – Where Aadhaar virtual ID is created for KYC
Citizen can select either one of three options.

Once the basic details are filled, an acknowledgement number is generated

Citizen then has to fill personal details and decide the pension amount he/she wants after 60 years. The Citizen here also has to decide the frequency of contribution for scheme.

Once Citizen “confirms” for personal details, he/she then has to fill nominee details

After submitting the personal and Nominee details, Citizen is redirected to NSDL website for eSign

Once Aadhaar is OTP verified Citizen gets successfully registered in APY.

 

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