ATAL PENSION SCHEME! HOW TO OPEN ACCOUNT IN ATAL PENSION SCHEME
Atal Pension Yojana
Atal Pension Yojana (APY) is a pension scheme for citizens of India with a focus on workers in the unorganized sector. Under APY , a guaranteed minimum pension of Rs 1,000/- or Rs 2,000/- or Rs 3000/- or Rs 4000 or Rs 5000/- per month at the age of 60 years will be given on the basis of contribution by the subscribers. Any citizen of India can join the APY scheme. It has the following eligibility criteria:
Customer age should be between 18 to 40 years
He should have a savings bank account with the post office/savings bank
The prospective applicant may provide Aadhaar and mobile number to the Bank during registration to facilitate receipt of periodic updates to the APY account. However, Aadhar card is not mandatory for enrolment.
NEED FOR PENSION
A pension provides a monthly income to people when they are not earning.
Earning potential declines with age
Rise of nuclear family – migration of earning member
increase in cost of living
increase longevity
Fixed monthly income ensures a dignified life in old age
Government of India co-contribution is available for the financial year 2015-16 to 2019-20 i.e. for 5 years to those subscribers who join the scheme during the period 1st June, 2015 to 31st March, 2016 and who are Are also not included in the statutory and social security schemes and are not included in the income tax payers. The Government co-contribution will be assigned to the eligible Permanent Retirement Account Pension Number by the Pension Fund Regulatory and Development Authority (PFRDA) at the end of the financial year after receiving confirmation from the Central Record Agency of payment of all installments by the subscriber for the year. 50% of the total contribution or a maximum contribution of Rs 1000 will be credited to the bank account/post office savings bank account. For beneficiaries covered under statutory social security schemes, APYare not eligible to receive Government co-contribution under For example, members of social security schemes under the following Acts may not be eligible to receive Government co-contribution under APY :
Employees' Provident Fund and Miscellaneous Provisions Act, 1952
Coal Mines Provident Fund and Miscellaneous Provisions Act, 1948
Assam Tea Plantation Provident Fund and Miscellaneous Provisions, 1955
Seamen's Provident Fund Act, 1966
JAMMU AND KASHMIR EMPLOYEES' PROVIDENT FUND AND MISCELLANEOUS PROVISIONS ACT, 1961
Any other statutory social security scheme
OTHER IMPORTANT FACTS
It is mandatory to provide enrollment details in APY account. If the customer is married, the spouse will be the default nominee. Unmarried customers can nominate any other person as nominee but after marriage they will have to provide details of spouse. Aadhaar information of spouse and nominee can be provided.
A customer can open only one APY account and it is unique. Multiple accounts are not allowed.
A subscriber can opt to increase or decrease the pension amount once during a year.
APY subscribers will be informed from time to time through SMS alerts regarding activation of PRAN, balance in account, contribution credit etc. The customer will also be given a physical statement of account once a year.
Annual physical statement of APY will also be provided to the customers.
Contribution can be remitted through Auto Debit seamlessly even in case of change of residence/location.
The scheme is only for Indian citizens.
The customer can change the mode (monthly/quarterly/half yearly) of the auto debit facility once in a year during the month of April.
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