Atal Pension Yojana Benefits: Many schemes have been started by the government for the safety and secure future of the citizens of the country. One of which is Atal Pension Yojana Benefits, on investing in this scheme, the beneficiary will get a total monthly pension of Rs 10000. Both husband and wife will get this pension. Let us tell you that the couple applying in this scheme will start getting a pension of 5000 – 5000 thousand rupees per month on attaining the age of 60 years. In this way it is beneficial to invest in Atal Pension Yojana. And its benefits are doubled.
Atal Pension Yojana in brief
Atal Pension Yojana was launched in the year 2015. This scheme was specially started for the employees of the unorganized sector. However, now in this scheme any person whose age is more than 18 years and 40 years or less can apply in this scheme. After this, by paying a small investment amount every month, they can secure their old age. After this, after the person completes 60 years, they will start getting regular pension amount. For this it is necessary that the beneficiary should have a savings account in the bank or post office.
In this scheme, you can get a minimum pension amount of 1000, 2000, 3000 or maximum 5000 rupees. Let me tell you that this plan Atal Pension Yojana It is safe to invest in and there is no risk involved. If you also want to take advantage of this, then you have to register yourself in this scheme. For this you will only need your Aadhar card, a savings account in bank or post office and mobile number.
Atal Pension Yojana: Big advantage in small investment
Talking about Atal Pension Yojana Benefits, there are many benefits of this scheme. Firstly, the beneficiary will get its benefit in the form of a substantial amount in old age. Not only this, if husband and wife apply from different accounts, then each will get 5 -5 thousand rupees per month. Which makes a total of 10 thousand rupees. Also, the beneficiary will have to invest a small amount after the application. This investment amount will be decided on the basis of the age of the applicant, how much he will have to invest every month.
the sooner the investment the better
The sooner you start investing in this scheme, the better. As you know, people of 18 to 40 years can invest in it. If you invest at the age of 18 then you have to invest a very small amount of Rs 210 regularly. After which you will get Rs 5000 as pension after the age of 60 years. Husband and wife whose age is 30 years or less Atal Pension Yojana I have to deposit Rs 577 in my APY account every month. If he is 35 years old then will pay Rs 902. That way if you’re in a hurry, you’ll have to deposit less money.
Atal Pension Yojana: Know Also
- Under this scheme, the beneficiaries will get guaranteed monthly pension.
- If one of the husband and wife dies, then his partner 8.5 lakhs amount Will get Apart from this, the pension received in this scheme will continue on a regular basis.
- If both the husband and wife dies, then this amount will be given to their nominee.
- The government will also contribute for the first 5 years.
- As per 80CCD of Income Tax, tax exemption will be given on this amount.