Atal Pension Yojana (APY) Calculator
Atal Pension Yojana (APY) ek sarkari pension scheme hai jo aam aadmi, khaaskar asangathit kshetra (mazdoor, kisan, chhote dukaandaar) ke liye hai. Ye calculator batata hai ki chuni gayi pension paane ke liye aapki umar par har mahine kitna jama karna hoga.
Atal Pension Yojana kya hai
APY ek sarkari guaranteed pension scheme hai. Isme aap 18 se 40 saal ki umar me judte hain, har mahine thoda jama karte hain, aur 60 saal ki umar se aapko har mahine tay pension (₹1,000 se ₹5,000) milne lagti hai. Ye khaaskar un logon ke liye hai jinke paas koi pension nahi — jaise mazdoor, kisan, chhote kaam-dhandhe wale.
60 saal par: ₹1,000 se ₹5,000 tak maasik pension (aapki pasand)
Jitni jaldi judein, utna sasta
APY me sabse zaroori baat umar hai. 18 saal ka vyakti ₹5,000 pension ke liye bahut kam (lagbhag ₹210/mahina) jama karta hai, jabki 40 saal wale ko usi pension ke liye kaafi zyada (~₹1,450/mahina) dena padta hai. Wajah — kam umar wale ko jama karne ke zyada saal milte hain. Isliye jaldi judna sabse achha.
APY ke fayde
- Sarkari guarantee — pension pakki milegi, market par nirbhar nahi.
- Pati-patni dono alag-alag khata khol sakte hain (dugni pension).
- Nominee ko fayda — khatadhaarak ki mrityu par patni/pati ko pension, aur unke baad jama paisa nominee ko.
- Chhoti rakam — mahine ka kुछ sau rupaya, aam aadmi ke budget me.
Kaun jud sakta hai
Koi bhi Bharatiya nagrik jiski umar 18-40 saal ho aur bank/post office me savings khata ho. Contribution seedha khate se apne aap kat jaata hai. Aayakar dene wale logon ke liye niyam samay-samay par badalte hain, isliye judne se pehle bank se confirm karein. APY sarkari social security scheme hai — ise NPS jaisi badi pension scheme se alag samjhein (NPS me pension zyada par market par nirbhar).
Aksar pooche jaane wale sawaal
APY me kitni pension milti hai?
₹1,000 se ₹5,000 per mahina, jo aap chunte hain. 60 saal ki umar se milne lagti hai.
Kam umar me judne se kya fayda?
Jama karne ke zyada saal milte hain, isliye monthly contribution bahut kam ho jaata hai. 18 saal wale ko sabse kam dena padta hai.
Pati-patni dono jud sakte hain?
Haan, dono alag khata khol sakte hain aur dono ko alag pension milti hai — parivaar ki surakshaa dugni.
Khatadhaarak ki mrityu par kya?
Patni/pati ko wahi pension milti rehti hai. Unke baad jama kul paisa nominee ko mil jaata hai.