Atal Pension Yojana (APY) Scheme

Financial Inclusion in India

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Calculator – Atal Pension Yojana

Calculator – Atal Pension Yojana
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Atal Pension Yojana Premium Chart and Calculator

Age of Joining, Contribution Levels, Fixed Monthly Pension and Return of Corpus to the nominee of subscribers

The Table of contribution levels, fixed minimum monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period is given below.

For example, to get a fixed monthly pension between Rs. 1,000 per month and Rs. 5,000 per month, the subscriber has to contribute on monthly basis between Rs. 42 and Rs. 210, if he joins at the age of 18 years. For the same fixed pension levels, the contribution would range between Rs. 291 and Rs. 1,454, if the subscriber joins at the age of 40 years.

Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to nominees of subscribers and the contribution period under Atal Pension Yojana.

Indicative APY Contribution Chart (Age wise)

 Age Years Monthly Contribution Return to the nominee
18 yrs 42 yrs Rs. 42 Rs. 1.7 lakhs
19 yrs 41 yrs Rs. 46 Rs. 1.7 lakhs
20 yrs 40 yrs Rs. 50 Rs. 1.7 lakhs
21 yrs 39 yrs Rs. 54 Rs. 1.7 lakhs
22 yrs 38 yrs Rs. 59 Rs. 1.7 lakhs
23 yrs 37 yrs Rs. 64 Rs. 1.7 lakhs
24 yrs 36 yrs Rs. 70 Rs. 1.7 lakhs
25 yrs 35 yrs Rs. 76 Rs. 1.7 lakhs
26 yrs 34 yrs Rs. 82 Rs. 1.7 lakhs
27 yrs 33 yrs Rs. 90 Rs. 1.7 lakhs
28 yrs 32 yrs Rs. 97 Rs. 1.7 lakhs
29 yrs 31 yrs Rs. 106 Rs. 1.7 lakhs
30 yrs 30 yrs Rs. 116 Rs. 1.7 lakhs
31 yrs 29 yrs Rs. 126 Rs. 1.7 lakhs
32 yrs 28 yrs Rs. 138 Rs. 1.7 lakhs
33 yrs 27 yrs Rs. 151 Rs. 1.7 lakhs
34 yrs 26 yrs Rs. 165 Rs. 1.7 lakhs
35 yrs 25 yrs Rs. 181 Rs. 1.7 lakhs
36 yrs 24 yrs Rs. 198 Rs. 1.7 lakhs
37 yrs 23 yrs Rs. 218 Rs. 1.7 lakhs
38 yrs 22 yrs Rs. 240 Rs. 1.7 lakhs
39 yrs 21 yrs Rs. 264 Rs. 1.7 lakhs
40 yrs 20 yrs Rs. 291 Rs. 1.7 lakhs

Calculation for an Atal Pension Yojana of Rs. 2000

If you need a pension of 2000 INR, in that case, the contribution ranges between 84 INR and 582 INR. Your nominee will receive up to Rs. 3.4 lakhs in case of your unfortunate death.

Age Years Monthly Contribution Return to the nominee
18 yrs 42 yrs Rs. 84 Rs. 3.4 lakhs
19 yrs 41 yrs Rs. 92 Rs. 3.4 lakhs
20 yrs 40 yrs Rs. 100 Rs. 3.4 lakhs
21 yrs 39 yrs Rs. 108 Rs. 3.4 lakhs
22 yrs 38 yrs Rs. 117 Rs. 3.4 lakhs
23 yrs 37 yrs Rs. 127 Rs. 3.4 lakhs
24 yrs 36 yrs Rs. 139 Rs. 3.4 lakhs
25 yrs 35 yrs Rs. 151 Rs. 3.4 lakhs
26 yrs 34 yrs Rs. 164 Rs. 3.4 lakhs
27 yrs 33 yrs Rs. 178 Rs. 3.4 lakhs
28 yrs 32 yrs Rs. 194 Rs. 3.4 lakhs
29 yrs 31 yrs Rs. 212 Rs. 3.4 lakhs
30 yrs 30 yrs Rs. 231 Rs. 3.4 lakhs
31 yrs 29 yrs Rs. 252 Rs. 3.4 lakhs
32 yrs 28 yrs Rs. 276 Rs. 3.4 lakhs
33 yrs 27 yrs Rs. 302 Rs. 3.4 lakhs
34 yrs 26 yrs Rs. 330 Rs. 3.4 lakhs
35 yrs 25 yrs Rs. 362 Rs. 3.4 lakhs
36 yrs 24 yrs Rs. 396 Rs. 3.4 lakhs
37 yrs 23 yrs Rs. 436 Rs. 3.4 lakhs
38 yrs 22 yrs Rs. 480 Rs. 3.4 lakhs
39 yrs 21 yrs Rs. 528 Rs. 3.4 lakhs
40 yrs 20 yrs Rs. 582 Rs. 3.4 lakhs

Calculation for an Atal Pension Yojana of Rs. 3000

If you need a pension of 3000 INR, in that case, the contribution ranges between 126 INR and 873 INR. Your nominee will receive up to Rs. 5.1 lakhs in case of your unfortunate death.

Age Years Monthly Contribution Return to the nominee
18 yrs 42 yrs Rs. 126 Rs. 5.1 Lakhs
19 yrs 41 yrs Rs. 138 Rs. 5.1 Lakhs
20 yrs 40 yrs Rs. 150 Rs. 5.1 Lakhs
21 yrs 39 yrs Rs. 162 Rs. 5.1 Lakhs
22 yrs 38 yrs Rs. 177 Rs. 5.1 Lakhs
23 yrs 37 yrs Rs. 192 Rs. 5.1 Lakhs
24 yrs 36 yrs Rs. 208 Rs. 5.1 Lakhs
25 yrs 35 yrs Rs. 226 Rs. 5.1 Lakhs
26 yrs 34 yrs Rs. 246 Rs. 5.1 Lakhs
27 yrs 33 yrs Rs. 268 Rs. 5.1 Lakhs
28 yrs 32 yrs Rs. 292 Rs. 5.1 Lakhs
29 yrs 31 yrs Rs. 318 Rs. 5.1 Lakhs
30 yrs 30 yrs Rs. 347 Rs. 5.1 Lakhs
31 yrs 29 yrs Rs. 379 Rs. 5.1 Lakhs
32 yrs 28 yrs Rs. 414 Rs. 5.1 Lakhs
33 yrs 27 yrs Rs. 453 Rs. 5.1 Lakhs
34 yrs 26 yrs Rs. 495 Rs. 5.1 Lakhs
35 yrs 25 yrs Rs. 543 Rs. 5.1 Lakhs
36 yrs 24 yrs Rs. 594 Rs. 5.1 Lakhs
37 yrs 23 yrs Rs. 654 Rs. 5.1 Lakhs
38 yrs 22 yrs Rs. 720 Rs. 5.1 Lakhs
39 yrs 21 yrs Rs. 792 Rs. 5.1 Lakhs
40 yrs 20 yrs Rs. 873 Rs. 5.1 Lakhs

Calculation for an Atal Pension Yojana of Rs. 4000

If you need a pension of 4000 INR, in that case, the contribution ranges between 168 INR and 1164 INR. Your nominee will receive up to Rs. 6.8 lakhs in case of your unfortunate death.

 

Age Years Monthly Contribution Return to the nominee
18 yrs 42 yrs Rs. 168 Rs. 6.8 lakhs
19 yrs 41 yrs Rs. 183 Rs. 6.8 lakhs
20 yrs 40 yrs Rs. 198 Rs. 6.8 lakhs
21 yrs 39 yrs Rs. 215 Rs. 6.8 lakhs
22 yrs 38 yrs Rs. 234 Rs. 6.8 lakhs
23 yrs 37 yrs Rs. 254 Rs. 6.8 lakhs
24 yrs 36 yrs Rs. 277 Rs. 6.8 lakhs
25 yrs 35 yrs Rs. 301 Rs. 6.8 lakhs
26 yrs 34 yrs Rs. 327 Rs. 6.8 lakhs
27 yrs 33 yrs Rs. 356 Rs. 6.8 lakhs
28 yrs 32 yrs Rs. 388 Rs. 6.8 lakhs
29 yrs 31 yrs Rs. 423 Rs. 6.8 lakhs
30 yrs 30 yrs Rs. 462 Rs. 6.8 lakhs
31 yrs 29 yrs Rs. 504 Rs. 6.8 lakhs
32 yrs 28 yrs Rs. 551 Rs. 6.8 lakhs
33 yrs 27 yrs Rs. 602 Rs. 6.8 lakhs
34 yrs 26 yrs Rs. 659 Rs. 6.8 lakhs
35 yrs 25 yrs Rs. 722 Rs. 6.8 lakhs
36 yrs 24 yrs Rs. 792 Rs. 6.8 lakhs
37 yrs 23 yrs Rs. 870 Rs. 6.8 lakhs
38 yrs 22 yrs Rs. 957 Rs. 6.8 lakhs
39 yrs 21 yrs Rs. 1,054 Rs. 6.8 lakhs
40 yrs 20 yrs Rs. 1,164 Rs. 6.8 lakhs

Calculation for an Atal Pension Yojana of Rs. 5000

If you need a pension of 5000 INR, in that case, the contribution ranges between 210 INR and 1454 INR. Your nominee will receive up to Rs. 8.5 lakhs in case of your unfortunate death.

Age Years Monthly Contribution Return to the nominee
18 yrs 42 yrs Rs. 210 Rs. 8.5 lakhs
19 yrs 41 yrs Rs. 228 Rs. 8.5 lakhs
20 yrs 40 yrs Rs. 248 Rs. 8.5 lakhs
21 yrs 39 yrs Rs. 269 Rs. 8.5 lakhs
22 yrs 38 yrs Rs. 292 Rs. 8.5 lakhs
23 yrs 37 yrs Rs. 318 Rs. 8.5 lakhs
24 yrs 36 yrs Rs. 346 Rs. 8.5 lakhs
25 yrs 35 yrs Rs. 376 Rs. 8.5 lakhs
26 yrs 34 yrs Rs. 409 Rs. 8.5 lakhs
27 yrs 33 yrs Rs. 446 Rs. 8.5 lakhs
28 yrs 32 yrs Rs. 485 Rs. 8.5 lakhs
29 yrs 31 yrs Rs. 529 Rs. 8.5 lakhs
30 yrs 30 yrs Rs. 577 Rs. 8.5 lakhs
31 yrs 29 yrs Rs. 630 Rs. 8.5 lakhs
32 yrs 28 yrs Rs. 689 Rs. 8.5 lakhs
33 yrs 27 yrs Rs. 752 Rs. 8.5 lakhs
34 yrs 26 yrs Rs. 824 Rs. 8.5 lakhs
35 yrs 25 yrs Rs. 902 Rs. 8.5 lakhs
36 yrs 24 yrs Rs. 990 Rs. 8.5 lakhs
37 yrs 23 yrs Rs. 1,087 Rs. 8.5 lakhs
38 yrs 22 yrs Rs. 1,196 Rs. 8.5 lakhs
39 yrs 21 yrs Rs. 1,318 Rs. 8.5 lakhs
40 yrs 20 yrs Rs. 1,454 Rs. 8.5 lakhs

Atal Pension Yojana Contribution Range According to Age

According to your current age, you can see the amount you need to contribute towards the Atal Pension Yojana Scheme. Depending on your choice of pension amount, your premium will be determined.

Age Rs. 1000 Rs. 2000 Rs. 3000 Rs. 4000 Rs. 5000
18 yrs Rs. 42 Rs. 84 Rs. 126 Rs. 168 Rs. 210
19 yrs Rs. 46 Rs. 92 Rs. 138 Rs. 183 Rs. 228
20 yrs Rs. 50 Rs. 100 Rs. 150 Rs. 198 Rs. 248
21 yrs Rs. 54 Rs. 108 Rs. 162 Rs. 215 Rs. 269
22 yrs Rs. 59 Rs. 117 Rs. 177 Rs. 234 Rs. 292
23 yrs Rs. 64 Rs. 127 Rs. 192 Rs. 254 Rs. 318
24 yrs Rs. 70 Rs. 139 Rs. 208 Rs. 277 Rs. 346
25 yrs Rs. 76 Rs. 151 Rs. 226 Rs. 301 Rs. 376
26 yrs Rs. 82 Rs. 164 Rs. 246 Rs. 327 Rs. 409
27 yrs Rs. 90 Rs. 178 Rs. 268 Rs. 356 Rs. 446
28 yrs Rs. 97 Rs. 194 Rs. 292 Rs. 388 Rs. 485
29 yrs Rs. 106 Rs. 212 Rs. 318 Rs. 423 Rs. 529
30 yrs Rs. 116 Rs. 231 Rs. 347 Rs. 462 Rs. 577
31 yrs Rs. 126 Rs. 252 Rs. 379 Rs. 504 Rs. 630
32 yrs Rs. 138 Rs. 276 Rs. 414 Rs. 551 Rs. 689
33 yrs Rs. 151 Rs. 302 Rs. 453 Rs. 602 Rs. 752
34 yrs Rs. 165 Rs. 330 Rs. 495 Rs. 659 Rs. 824
35 yrs Rs. 181 Rs. 362 Rs. 543 Rs. 722 Rs. 902
36 yrs Rs. 198 Rs. 396 Rs. 594 Rs. 792 Rs. 990
37 yrs Rs. 218 Rs. 436 Rs. 654 Rs. 870 Rs. 1,087
38 yrs Rs. 240 Rs. 480 Rs. 720 Rs. 957 Rs. 1,196
39 yrs Rs. 264 Rs. 528 Rs. 792 Rs. 1,054 Rs. 1,318
40 yrs Rs. 291 Rs. 582 Rs. 873 Rs. 1,164 Rs. 1,454

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Comments

  1. Can I enroll for APY on behalf of my husband as he is out of country ? And he has only SBI Account which I believe isn’t providing an option to enroll online like ICICI.

    Reply

  2. My bank a/c in one area and now iam transfer to other city can i transfer my apy a/c along with my savings bank a|c?

    Reply

  3. sir m ek govt employ hu or tax bhi deta hu to kya m apni wife ke name par apy ka labh le sakte hai. pl aap mereko bataiye

    Reply

  6. My Age 40 After paying 10year incident happen to payer next what there nominee should pay or scheme only payitself pay another 10years to get pension to nominee

    Reply

  10. i want to transfer my existing APY account from vijaya bank to state bank of india for multiple reasons.

    i started APY from salary account of vijaya bank.

    now SBI is nearer to my permanent residence, better bank,better service,….

    CAN ANYONE PLEASE GUIDE ME HOW TO TRANSFER MY EXISTING APY FROM VIJAYA BANK TO STATE BANK OF INDIA ….

    ITS URGENT PLEASE… i am trying that more than six months now……

    Reply

  14. Hi
    Sir/Madam ,

    I am Supreeth SH from karnataka state ,i had a lisence on service agency of NATIONAL PENSION SCHEME (NPS) LITE SERVICE LEVEL AGREEMENT, i had agreement with SHASHIDHAR K.M,having it’s registered office at Astavarana, Shivagiri Nagar, Siruguppa Road, Bellary Karnataka 583102, a State Level Point of Presence (PoP) of Rural and Urban Development of India ,initially while we are doing an agreement told as its swawalamban nps lite yojana bez of this i obey to take licence of service agency after i took agency and paid non refundable amount of 20,000 , after govt of india they change the NPS lite to atal pension yojana , it was diffrent pension plan from swawalamban nps lite yojana , i just bought because of it was swawalamban nps lite its plan was good, after talking service agency the rural and urban devolopment of india saying that it will changed to atal pension yojana this plan is not actually good ,its all their fault , i they told before we are not going to take lisence of service agency ,if the plan was changed they should inform us right ,if this things going like this i am not going to take this agency i should cancel this agreement , this is all their fault(Rural and Urban Development of India),why u those people make us fool and put middle class families in to dig, i kindly requesting for concern authorities to take predictive action and
    return our money back . along with this mail i attached the copy of agreement between PoP and service agency of NATIONAL PENSION SCHEME (NPS)
    LITE SERVICE LEVEL AGREEMENT.

    Once u get the mail reply me back for the confirmation

    Thanking You

    Reply

  16. Sir me November 2015 me sbi bank bahadar bad hardware me any me raju Streisand karat a tha Lekin abhi tk bhi chalu nhi hui bank shi response nhi de rha pls bataye me kya kru me pahele bhi masseje kiya tha my no 9897088185 products massage kre

    Reply

  18. Kindly suggest me how to check APY monthly contribution statement or status through online ??

    Reply

  19. i am abhijit mondal from west bengal south 24 parganas, i want to know if i subscribe to Rs. 12 and 330 i have to covered atal Pention Yoyona ?

    Reply

  20. hi,

    Please check my calculation and see if it makes any sense.
    Assuming I am 34yrs and opt for 5000rs pension plan.

    Age Years Contribution
    34 26 824

    So basically to get 5000rs after 60 years I need to invest 824rs per month for next 26 years.

    26years = 312 months x 824rs = 257088rs (Total invested)

    Guaranteed Retunrs after 26years ie at the age of 60 will be 850000rs. (8.50lk is there on the official website)

    Which means Total money invested (257088rs)
    Returns = 850000rs

    Interest received on my investment 257088rs = 330% growth divided by 312 months = 12.69% returns.

    12.69% guaranteed returns is very good indeed.

    Please suggest me if my calculations are right. Thanks.

    Reply

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