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Pension: Just Rs 210 every month and get a Rs 60,000 pension throughout your life, life will be easy in old age.


Atal Pension Yojna: Are you also looking for a pension plan for retirement? Such a pension plan in which investment has to be reduced and more pensions can be received. There are many pension schemes for the organized sector in the country but the government is running a pension scheme for the unorganized sector. Which by investing about Rs 200 every month, you can get a pension of up to Rs 60,000 annually. That is, you will get a pension of Rs 5,000 every month for the rest of your life. Here we are telling you the complete calculation of Atal Pension Yojana how much pension you will get on how much investment you make.

By investing Rs 210 every month, you will get a lifetime pension of Rs 60,000.

If you are associated with the unorganized sector, then by depositing Rs 210 every month, you can get a pension of Rs 60,000 annually for the whole life. If you invest Rs 210 every month from the age of 18, then after 60 years you will get a pension of Rs 5000 every month and Rs 60,000 annually. The name of this government scheme is Atal Pension Yojana in which guaranteed pension is given every month. Every month pension is guaranteed by the government. If you pay the same amount every three months, you will have to pay Rs 626 and if you pay every six months, you will have to pay Rs 1,239. To get a pension of Rs 1,000 per month, if you invest at the age of 18, you will have to pay Rs 42 monthly. That is, then you will have to pay Rs 12,000 annually.

What is Atal Pension Yojana?

The government has brought Atal Pension Yojana in Budget 2015-16 keeping in mind the security of income after retirement. Through this scheme, the government is encouraging the common people, especially those associated with the unorganized sector, to save as much as possible. People associated with the unorganized sector also have to be protected from the risk of not having income after retirement. This scheme is being run by Pension Fund Regulatory and Development Authority (PFRDA).

These are the rules of Atal Pension Yojana

Under Atal Pension Yojana, customers get pension ranging from Rs 1,000 to Rs 5,000 every month. The Government of India guarantees the minimum pension benefit. The central government contributes 50 percent of the subscriber's contribution or Rs 1,000 annually, whichever is less. Government contributions are paid to people who are not covered under any statutory social security scheme and are not taxpayers. Under the scheme, pension of Rs 1,000, 2000, 3,000, 4,000 and 5,000 is available. Investment also depends on the amount of pension. You get more benefits if you join at an early age.

Complete calculation to get pension of Rs 60,000

Age of Entry (in years) Time of Contribution (in years) Monthly Contribution (in Rs.)

What the Contribution will be (in Rs. Lakhs)

18 42 210 8.5
19 41 228 8.5
20 40 248 8.5
21 39 269 8.5
22 38 yrs 292 8.5
23 37 yrs 318 8.5
24 36 years 346 8.5
25 35 yrs 376 8.5
26 34 yrs 409 8.5
27 33 yrs 446 8.5
28 32 yrs 485 8.5
29 31 yrs 529 8.5
30 30 years 577 8.5
31 29 yrs 630 8.5
32 28 yrs 689 8.5
33 27 years 752  8.5
34 26 years 824 8.5
35 25 yrs 902  8.5
36 24 yrs 990 8.5
37 23 yrs 1,087  8.5
38 22 yrs 1,196 8.5
39 21 yrs 1,318 8.5

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