If you want to take advantage of the Atal Pension Yojana, then do this work and earn more.

If you want to take advantage of the Atal Pension Yojana, then do this work and earn more.

If you want to invest in such a scheme, in which you get a fixed income after retirement, then you can invest in the government’s Atal Pension Yojana.

If you want to invest in such a scheme, in which you get a fixed income after retirement, then you can invest in the government’s Atal Pension Yojana. With the aim of providing social security to all Indians, the government has launched the Atal Pension Yojana (APY). This scheme is especially for the poor, Dalits and people from the unorganized sector such as servants, delivery boys, gardeners, etc. This scheme replaced the Swavalamban Yojana, which was not very popular.

Who can apply?

The objective of this scheme is that after reaching old age, an Indian citizen does not have to worry about any illness, accident or disease and feels secure. Private sector employees or those working with organizations that do not provide them with pension benefits can also apply for this scheme.

How much pension will you get?

After reaching the age of 60, a person gets the option of getting a fixed pension of Rs 1000, Rs 2000, Rs 3000, Rs 4000 or Rs 5000. The pension is decided based on the age of the person and the amount of contribution. The spouse of the contributor can claim the pension amount on his/her death, and in case of death of both the contributor and the spouse, the nominee will get the accumulated corpus.

However, if the contributor dies before reaching the age of 60, the spouse can opt out of the scheme and claim the corpus or continue the scheme for the remaining period.

Apply in this way

To avail the benefits of Atal Pension Yojana, you have to follow these steps:

All nationalised banks offer this scheme. You can open an account in any bank.

The Atal Pension Yojana forms are available online and in banks. You can download the form from the official website.

The form is available in English, Hindi, Bengali, Gujarati, Kannada, Marathi, Odia, Tamil and Telugu.

• Fill the form and submit it to your bank.

You will have to provide a valid mobile number to the bank, if you have not already provided it.

Also submit a photocopy of your Aadhaar card to your bank.

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