Atal Pension Yojana (APY)

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Last modified: May 16, 2015 Insurance
371 Comments
Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan

Jyoti Bima Yojana and Atal Pension Yojna
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A large proportion of Indias population is without insurance of any kind, health, accidental or life.
Worryingly, as our young population ages, it is also going to be pension-less. Encouraged by the success of
the Pradhan Mantri Jan Dhan Yojana (PMJDY), I propose to work towards creating a universal social
security system for all Indians that will ensure that no Indian citizen will have to worry about illness,
accidents or penury in old age, said Finance Minister Arun Jaitley in his budget speech on 1 Mar
2015. Schemes were launched by Prime minister on 9 May 2015.
The official website of the scheme is www.jansuraksha.gov.in. National Toll-Free 1800-180-1111 /
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1800-110-001 and StateWise Toll free number are listed in this document Statewise Toll-Free (pdf)
Forms are available in Bangla,English Gujarati,Hindi,Kannada,Marathi,Odia,Tamil and Telugu which
can be downloaded fromwww.jansuraksha.gov.in/forms.aspx
Government announced insurance schemes Pradhan Mantri Suraksha Bima Yojana (for Accidental Death
and Disability), Pradhan Mantri Jeevan Jyoti Bima Yojana (for life insurance) and Atal Pension Yojna (for
pension). This article gives the highlights of these schemes. These schemes would be come in effect from 1
June 2015.
The government plans to use technology to the extent possible to reach out to the beneficiaries, thereby
plugging leakages in the system. The JAM (Jan Dhan Yojana, Aadhaar and mobile) number trinity will
allow government to transfer benefits in a leakage-proof, well-targeted and cashless manner
Pradhan Mantri Suraksha Bima Yojana

Highlights of the Pradhan Mantri Suraksha Bima Yojana (Pmsby Scheme 1 for Accidental Death
Insurance) are
Eligibility: Available to people in age group 18 to 70 years with bank account.
Premium: Rs 12 per annum.
Payment Mode: The premium will be directly auto-debited by the bank from the subscribers account.
This is the only mode available.
Risk Coverage: For accidental death and full disability Rs 2 Lakh and for partial disability
Rs 1 Lakh.
Eligibility: Any person having a bank account and Aadhaar number linked to the bank account can
give a simple form to the bank every year before 1st of June in order to join the scheme. Name of
nominee to be given in the form.
Terms of Risk Coverage: A person has to opt for the scheme every year. He can also prefer to give a
long-term option of continuing in which case his account will be auto-debited every year by the bank.
Who will implement this Scheme?: The scheme will be offered by all Public Sector General Insurance
Companies and all other insurers who are willing to join the scheme and tie-up with banks for this
purpose.
The premium paid will be tax-free under section 80C and also the proceeds amount will get
tax-exemption u/s 10(10D).But if the proceeds from insurance policy exceed Rs.1 lakh , TDS at the
rate of 2% from the total proceeds if no Form 15G or Form 15H is submitted to the insurer.
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Pradhan Mantri Suraksha Bima Yojn
Pradhan Mantri Jeevan Jyoti Bima Yojana

Highlights of The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY SCHEME 2 FOR LIFE
INSURANCE COVER)
Eligibility: Available to people in the age group of 18 to 50 and having a bank account. People
who join the scheme before completing 50 years can, however, continue to have the risk of life cover
up to the age of 55 years subject to payment of premium.
Premium: Rs 330 per annum. It will be auto-debited in one instalment.
Payment Mode: The payment of premium will be directly auto-debited by the bank from the
subscribers account.
Risk Coverage: Rs. 2 Lakh in case of death for any reason.
Terms of Risk Coverage: A person has to opt for the scheme every year. He can also prefer to give a
long-term option of continuing, in which case his account will be auto-debited every year by the bank.
Who will implement this Scheme?: The scheme will be offered by Life Insurance Corporation and all
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other life insurers who are willing to join the scheme and tie-up with banks for this purpose.
Pradhan mantri Jeevan Jyoti Yojna
Comparison between Jeevan Jyoti Bima Yojana (PMJJBY) vs

Suraksha Bima Yojana (PMSBY)
Features
Eligibility
Pradhan Mantri Suraksha Bima

Yojana (PMSBY)
18-70 years
Pradhan Mantri Jeevan Jyoti Bima

Yojana (PMJJBY)
18-50 years
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Number of Policy
When to Join the Scheme?
Sum Assured (Fixed)
Premium
Cover stops at age
Maturity Benefit
Death Benefit (Natural Death)
Death Benefit (Accidental Death)
Disability of both eyes, both
hands, both legs or one eye and
one limb
Disability of one eye or one limb
Maximum Insurance cover
Risk Period
Mode of Payment
One Policy Per Person

Any time
Rs 2 lakhs
Rs 12 per annum
At the age of 70 years
Nil
Nil
Rs 2 lakhs
One Policy Per Person

Any time
Rs 2 lakhs
Rs. 330 per annum
At the age of 55 years
Nil
Rs 2 lakhs
Rs 2 lakhs
Rs 2 lakhs
Nil
Rs 1 lakh
Rs 2 lakhs
1st June to 31st May every year.
Premium will be auto debited from
account in the month of May every
year.
Nil
Rs.2 lakhs
1st June to 31st May every year.
Premium will be auto debited from
account in the month of May every
year.
List of Banks which are offering Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)
& Pradhan Mantri Suraksha Bima Yojana (PMSBY)
Those who have bank account with banks like ICICI Bank, HDFC Bank have got SMS
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual
premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile number.
Premium amount will be debited from Your HDFC Bank Savings Account. For T & C & other details
click here
Atal Pension Yojna (APY)

The scheme will be launched on June 1 2015 and focus is on the unorganised sector. A pension provides
people with a monthly income when they are no longer earning. A Subscriber receives pension based on
accumulated contribution out of his current income.Under the Atal Pension Yojna Scheme (APY), the
subscribers ,under the age of 40, would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age
of 60 years, depending on their contributions.
To make the the pension scheme more attractive, government would co-contribute 50 per cent of a
subscribers contribution or Rs 1,000 per annum, whichever is lower to each eligible subscriber
account for a period of of 5 years from 2015-16 to 2019-20. The benefit of governments co-contribution
can be availed by those who subscribe to the scheme before December 31, 2015.
We have covered the scheme in detail in our article Atal Pension Yojna
Official Details of Atal Pension Yojna,including form, are now available at
http://financialservices.gov.in/APY.asp .
Eligibility for APY: Atal Pension Yojana (APY) is open to all bank account holders who are not members of
any statutory social security scheme.
Age of joining and contribution period: The minimum age of joining APY is 18 years and maximum age is
40 years. One needs to contribute till one attains 60 years of age.
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Enrolment agencies: All Points of Presence (Service Providers) and Aggregators under Swavalamban
Scheme would enrol subscribers through setup of National Pension System.
The Table of contribution levels, fixed monthly pension to subscribers and his spouse and return of corpus to
nominees of subscribers and the contribution period is given below.
if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 years ie 25 years.
If he wants monthly pension of Rs 1000 he would contribute Rs 181 a month. On his death his
wife would get Rs 1000 per month and after her death the nominees will get 1.7 lakh.
If he joins at the age of 18 years to get a fixed monthly pension of Rs. 1,000 per month, the subscriber
has to contribute on monthly basis Rs. 42 for Rs 5000 pension he has to contribute Rs. 210.
if he joins at the age of 40 years to get a fixed monthly pension of Rs. 1,000 per month, the subscriber
has to contribute on monthly basis Rs. 291 and for Rs 5000 pension he has to contribute Rs. 1,454
Age of Years of
Indicative
Joining Contribution Monthly
Contribution
for Monthly
Pension of
Rs 1000
and Corpus
of Rs 1.7
Lakh(in Rs.)
18
42
42
20
40
50
25
35
76
30
30
116
35
25
181
40
20
291
Indicative
Monthly
Contribution
for Monthly
Pension of Rs
2000and
Corpus of
Rs 3.4
Lakh(in Rs.)
84
100
151
231
362
582
Indicative
Indicative
Indicative
Monthly
Monthly
Monthly
Contribution Contribution Contribution
for Monthly for Monthly for Monthly
Pension of Rs Pension of Rs Pension of Rs
3000 and and 4000 and
5000 and
Corpus of
Corpus of
Corpus of
Rs 5.1 Lakh(in Rs 6.8 Lakh(in Rs 8.5
Rs.)
Rs.)
Lakh(in Rs.)
126
168
210
150
198
248
226
301
376
347
462
577
543
722
902
873
1164
1,454
Atal Pension Yojana (APY) and Swavalamban Yojana NPS Lite

Atal Pension Yojana (APY), will replace the previous governments Swavalamban Yojana NPS Lite, which
did not find much acceptance among people. The existing subscribers of Swavalamban Scheme would be
automatically migrated to APY, unless they opt out. It is Government of India Scheme, which is administered
by the Pension Fund Regulatory and Development Authority. The Institutional Architecture of NPS would be
utilised to enrol subscribers under APY.
Our article National Pension Scheme covers NPS in detail including details of Swavalamban Yojana NPS
Lite . Quoting from it .
Swavalamban scheme or the NPS Lite :is the extension of the variant available to the government
employees. The government contributes Rs 1,000 per year to the pension account in NPS Lite, making
pension possible for the economically-disadvantaged. Under the scheme, Govt. will contribute Rs.1000 per
year to each NPS account opened in the year 2010-11 and for the next three years, that is, 2011-12, 2012-13
and 2013-14. As a special case and in recognition of their faith in the NPS, all NPS accounts opened in
2009-10 will be entitled to the benefit of Government contribution if they fulfil the eligibility criteria
prescribed under these guidelines.
How to open Atal Pension Yojna Account
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One has to Contact Bank branches under core banking platform and fill in the Atal Pension Yojana subscriber
registration form in English (pdf) or Hindi(pdf)
If one has a Bank Account
Submit the APY Form
Provide Aadhaar No and Mobile Number
Deposit the initial contribution according to the type of pension opted.
If one does not have a Bank Account
Provide KYC Documents and open a Bank account by providing KYC document and Aadhaar
Submit a signed APY proposal form
Its Mandatory to provide
Savings Bank account details, mobile number and authorization letter to the bank for the monthly auto
debit option for remittance of contribution.
Spouse/Nominee details in APY form
Charges for not paying Monthly Contributions
In Atal Pension Yojna monthly contribution would automatically be deducted from Subscribers bank
account. Subscriber should ensure that the Bank account to be funded enough for auto debit of contribution
amount. If there is delay in contributions then Bank would levy penalty. The fixed amount of interest/penalty
will remain as part of the pension corpus of the subscriber.
Rs 1 per month for contribution upto Rs. 100 per month.
Rs 2 per month for contribution upto Rs. 101 to 500 per month.
Rs 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Discontinuation of payments of contribution amount shall lead to following:
After 6 months account will be frozen.
After 12 months account will be deactivated.
After 24 months account will be closed.
Exiting from Atal Pension Yojna
On attaining the age of 60 years: The exit from APY is permitted at the age with 100% annuitisation of
pension wealth. On exit, pension would be available to the subscriber.
In case of death of subscriber pension would be available to the spouse and on the death of both of
them (subscriber and spouse), the pension corpus would be returned to his nominee.
Exit Before the age of 60 Years: Exit before 60 years of age is not permitted however it is permitted
only in exceptional circumstances, i.e., in the event of the death of beneficiary or terminal disease.
Official FAQ on Atal Pension Yojna in English Hindi
We have covered the scheme in detail in our article Atal Pension Yojna
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Pradhan Mantri Atal Pension Yojna

Forms are available in Bangla,English Gujarati,Hindi,Kannada,Marathi,Odia,Tamil and Telugu which
can be downloaded fromwww.jansuraksha.gov.in/forms.aspx
Related Articles :
Saving For Retirement : Pension Plans,NPS,EPF,PPF
Checklist for buying Life Insurance Policy
Discontinue Life Insurance Policy: Surrender,Paid Up,Loan
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Investing:Think about Liquidity,Safety,Returns,Risk,Tax

What is ULIP or Unit Linked Insurance Plan
These insurance schemes intentions are well but how they would be executed and how would be the response
, only time will tell. What do you think of these insurance schemes? How have you planned for your
retirement? Do you have insurance and pension plan?
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an annual premium of Rs 12. To
subscribe SMS PMSBY Y to 5676712 from your registered mobile number. Premium amount will be debited from Your HDFC Bank
Savings Account. For T & C & other details click
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371 Responses to Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti
Bima Yojana and Atal Pension Yojna
1.
Thakur Gopal S. Dolia says:

May 16, 2015 at 11:01 PM
Question
1.
Can take all 3 scheme?
2.
is there also any quota for SC, ST & OBC
Reply
2.
Amol Wadkar says:

May 16, 2015 at 6:35 PM
Great Work PM, keep on the good work. We are with you. Guys as suggested by Modiji plz get your
driver and maid enroll for the scheme.
Reply
dinesh das says:
May 16, 2015 at 11:57 PM
I have already enrolled all my 3 maid workers in all the three scheme.
Reply
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3.
abrar husen says:

May 16, 2015 at 5:32 PM
sir.mere mind me ek yojna hai agar
apko sahi lage.har garib kutumbh me ek sarkari servant ho.kisi parivar me sare hi sarvice pe hai to kahi
koi nahi. bus ek kutumbh ek noukari.kheti me napiki bi hui to kisi kastkar ko Aatmhattya jaysa marg
nahi Apnana padega.jobhi ladka sarvice par hoga usko payment ka 5% rakkam ma- bap ko deni
hogi.isse 25% garibi kam ho jayengi.aur hamare desh ka vikas hoga.
Reply
4.
Sayali Bhagat says:

May 16, 2015 at 4:34 PM
Sir, muze aapse ye puchna hai ki pradhanmantri surkhsha bima yojna me only accidential death par hi 2
lakh milenga nominee ko, agar natural death hui to premium ka amount nominee ko kuch nahi milenga
kya ? aur pradhanmantri jeevan jyoti bima yojna me agar natural death hui to nominee ko pura
premium milenga, aur agar accidentail death hui to bhi uske nominee ko pura premium milenga kya pls
clrify my this issues
Reply
5.
Bipul das says:

May 16, 2015 at 2:32 PM
pradhan mantri jeevan jyoti scheme me kitna saal 330/- varna parega?
Reply
Bhaskar says:
May 16, 2015 at 3:21 PM
Untill your death
Reply
6.
B.Manickavasagam says:
May 16, 2015 at 1:13 PM
Its a very good scheme for all Indians and it is very help full for poverty people. Thanks Modi Gee.
Reply
7.
om Prakash singh says:

May 16, 2015 at 12:55 PM
Dear Sir,
these schemes are too good for all and me,
Reply
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8.
dhananjaya kar says:

May 16, 2015 at 12:43 PM
Sir,
Thank you for giving us such a oppertunity which helps us in our old age as well as to our family
members. thank you again
Reply
9.
Nagu says:
May 16, 2015 at 12:07 PM
Great efforts by the Govt. of India.
at present i am 42 years old and this scheme is only for 18-40 yrs. May i request on behalf of all Indians
who are more than 40 yrs. to increase the age limit to take this scheme. There would be no problem to
pay even extra monthly premium. There are so many persons who would be benefited under this
scheme. Kindly do the needful if possible in this scheme.
Reply
10.
Suresh Kumar Thakur says:

May 16, 2015 at 11:49 AM
Great efforts by the Govt. of India. Its a result of Prime Ministers vision. I would like to take all the
policies for safe and saved future of my family.
I am working in NGO sector and have a provision of very small pension (may be 1000/2000/- per
month) after the retirement. Can i take this scheme ?
Another obstacle that is, at present i am 42 years old and this scheme is only for 18-40 yrs. May i
request on behalf of my other colleagues who are more than 40 yrs. to increase the age limit to take this
scheme. There would be no problem to pay even extra monthly premium. There are so many persons
who would be benefited under this scheme. Kindly do the needful if possible in this scheme.
Reply
11.
sunil rajput says:

May 16, 2015 at 10:25 AM
Dear sir,
this is great policy for indian poor people and narender modi is great prime minister in india ,
Regards
Sunil Rajput
Reply
12.
Ankush says:
May 15, 2015 at 7:27 PM
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Pradhan mantri ji ne bahut hi acha kadam uthaya hai.

I appreciate. For complete details also check http://www.pradhanmantriyojana.in/
Reply
13.
chandra mohan pal says:

May 15, 2015 at 3:53 PM
sir i proude of you
ki aaj tak ayesa P M baba hi nahi Jo it an a kuchh soche sab Ka sab lutne aye aur luta bhi sir tahe dil se
sukriya dete hai
nano
namo
Reply
14.
Neha says:
May 15, 2015 at 1:17 PM
I am planning to avail the Atal Pension Yojna plan. I got separated from my husband and lives with my
son.
Is that possible to nominate my son as Nominee without mentioning the spouse name.
Reply
bemoneyaware says:
May 16, 2015 at 5:13 AM
Yes Maam
If you look at the APY form then filling Nominee details are mandatory, Spouse name isnt.
But if your nominee is minor then you do need to provide details of guardian.
Reply
15.
Vipuni Ruhmai says:

May 15, 2015 at 9:47 AM
Sir,
who are not covered by any Statutory Social Security Schemes and are not income tax payers, What do
you mean by social statutory security? Can one apply to both PMJJBY and PMSBY?
Reply
16.
Prabhat Sharma says:

May 15, 2015 at 12:56 AM
I have a doubt, i am taken all new yojna with sukanya samrudhi yojna, if after 5 years again Congress
govt come to the power then what happened ??? they continue the yojna Or they stop all the yojna if
they stop then what happened of our deposit amount in sukanya samrudhi yojna ???
Please clarify me .
Reply
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ashok says:
May 15, 2015 at 1:06 PM
Forget you Money
Reply
17.
Mayank says:
May 14, 2015 at 11:13 PM
Can a person have both Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima
Yojana ??
Is there any issue in enrolling for both?
Reply
Sharath Nair says:
May 15, 2015 at 12:32 PM
Yes, these are two different schemes available. You could still join both the schemes.
Reply
18.
BKr says:
May 14, 2015 at 6:44 PM
Can an individual buy multiple accidental insurance policy say for example one from PMSBY @ rs 12
and others from different service provider but not under social security system.
In the event of death can the person claim for all policies ot it will be just one?
Reply
dileep says:
May 14, 2015 at 10:43 PM
all policy, because life is having unlimited value
Reply
Sharath Nair says:
May 15, 2015 at 12:34 PM
It is one person one policy. Therefore, you cant have two PMJJBY or two PMSBY.
Reply
19.
Sham prasad says:

May 14, 2015 at 10:46 AM
I am 32 years old.and want 5000 scheme. how much it will cost.
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in which bank we have to join for this scheme.

Reply
ashok says:
May 15, 2015 at 1:07 PM
Any Nationalized Bank.
Reply
bemoneyaware says:
May 16, 2015 at 5:29 AM
For 32 years old for 5000 Rs monthly pension the amount is Rs 689. Table for all ages is
available in our article Atal Pension Yojna
You can join any bank ex public banks like SBI,Central bank or private banks like Kotak
Mahindra Bank, HDFC Bank, ICICI Bank
Reply
20.
Somnath Shenoy says:

May 14, 2015 at 9:23 AM
If Govt changes, will this scheme be still continuing?
Reply
bemoneyaware says:
May 16, 2015 at 4:55 AM
Usually they do. For ex Aadhaar was started by UPA but BJP continues to support it.
With kind of interest that these schemes have generated and kind of targets the schemes are
expected to achieve I doubt if any govt. would change it.
Reply
21.
Soumen Shaw says:

May 14, 2015 at 8:49 AM
Hi, I am an aspirant of Govt. job ,age of 26+ . After starting Atal pension Yojana if I become Govt
employee then will I be eligible for it or can I continue it???????
Reply
22.
ramakant says:
May 13, 2015 at 10:29 PM
very good scheme
Reply
23.
Nareshkumar Rajput says:
17/05/15 11:12 AM
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May 13, 2015 at 9:08 PM

What will happen if someone has enrolled for both the insurance plans i.e. PMJJY and PMSBY? If
someone dies in accident, would the nominee get the benefits of both schemes, i.e. 2L for PMJJY and
2L for PMSBY = 4L??
Reply
May 13, 2015 at 9:16 PM
One another thing is, what will happen if you close the bank account through which you enrolled
for the schemes?
What in case if the bank gets closed for any reason?
Can it be transferred to another bank account?
Reply
sarem patel says:
May 14, 2015 at 12:20 PM
Yes ; the person will get both benefit becuse these two plans are
Seperate plans and the person is paying premium seperately for both
The plans
Reply
karthik says:
May 15, 2015 at 8:58 PM
hey
i have red all terms&conditions and i got to know from those is,we cant go with two policys at a
time.if in such case both the policys would be cancelledso people be aware of it.dont go for
both the plans.go through throughly the terms &conditions.
Reply
May 15, 2015 at 10:45 PM
Karthikji, please can you transcribe the section of that terms and condition here?
And do anyone know if we can change the bank account or not??
Reply
24.
Milan Kundu says:

May 13, 2015 at 8:37 PM
I have a Question?
If Someone have 3 different account on different bank then would he/she is applicable for this Scheme
or this scheme benefit is applicable for all of his account or any One.
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Reply
Kirti says:
May 13, 2015 at 9:03 PM
Someone can only apply through one bank account.
Reply
25.
girishpagraj says:
May 13, 2015 at 6:52 PM
Dear all
1)Still it not cleared who are illegible for pension scheme, since I am private employ and also tax payer,
in my epf account pension scheme are there,still am I illegible for pension scheme. Or it is for only
spespecified person
Reply
Kirti says:
May 13, 2015 at 9:06 PM
If you are less than 40 years of age then you eligible for Atal Pension Yojna. Govt will not be
contributing any amount to the account.
Government co-contribution is available for 5 years, i.e., from 2015-16 to 2019-20 for the
subscribers who join the scheme during the period from 1st June, 2015 to 31st December, 2015
and who are not covered by any Statutory Social Security Schemes and are not income tax
payers.
Reply
SP says:
May 14, 2015 at 2:30 PM
Please tell me the meaning of STATUTORY SOCIAL SECURITY SCHEMES
Reply
26.
GOVERDHAN RATHORE says:

May 13, 2015 at 4:36 PM
IS YOJNA KO HAM KAB LE SAKTE HE AAJ ME BANK ME GAYA THA PER BANK WALO NE
KAHA ABHI KOI ORDER NAHI AYA HE HAMARE PAS KOI JANKARI BHI NAHI HE
Reply
27.
Parvesh Kathuria says:

May 13, 2015 at 4:16 PM
hello
can any one tell me,
1)in case subcriber dies before 60, does spouse need to deposit further premiums, or they will stop, and
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pension starts ?? not clear in conditions.

2) in case spouse also expires before 60, then what will be the payment amount to nominees ?
Reply
bemoneyaware says:
May 16, 2015 at 5:06 AM
Hello Sir,
Insurance is for protection and if all premiums are paid the insurance will start if the subscriber
dies before paying all the premiums.
If subscriber dies before age of 60 and has paid all the premiums till then his spouse will NOT
have to pay any more premium and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of age) the
nominees will get lump sum amount.
Reply
28.
Sanjay Chourasia says:

May 13, 2015 at 3:54 PM
can we buy both bima yojana for single person ?
Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojana.
Reply
anurag says:
May 13, 2015 at 4:27 PM
yes you can buy both ,
I just did with ICICI bank
Reply
29.
Navneet says:
May 13, 2015 at 2:51 PM
PM Really did a good job by launching these schemes, I really appreciate. Read Full at
http://www.pmbimayojana.in
Reply
30.
honey says:
May 13, 2015 at 12:22 PM
i am from khammam.can i apply here Hospet (karnataka State )sbi bank
Reply
31.
Nishikant Rajeshirke says:

May 13, 2015 at 12:21 PM
Hi,
17/05/15 11:12 AM
18 of 75
Can some one please help me with answers to below?

1. When these policies will actually be available in Private banks like HDFC/Axis/ICICI or these
should be only with Govt banks?
2. Can my contribution to APY be increased to get more benefit than 5000/- per month? instead of 376
per year, I can contribute more to get more benefit.
3. Atal Pension forms are still not available in SBI. Has anyone enrolled for it?
Thanks
Nishikant.
Reply
bemoneyaware says:
May 16, 2015 at 5:03 AM
Sir,
1. These policies are available with private banks also. Customers of banks, like Kotak Mahindra
Bank, HDFC Bank, ICICI Bank, IndusInd Bank and SBI, can subscribe to PMJJBY and PMSBY
in any of the following manners:
* Visiting a bank branch nearest to your place, filling the Consent-cum Declaration Form &
depositing in the branch itself
* Through Netbanking by filling the online form
* Sending an SMS to the number provided by bank
2.No maximum pension that one can avail through APY is 5000 Rs.
3.Yes many people have enrolled in in SBI. Please check with your branch
Reply
32.
honey says:
May 13, 2015 at 12:19 PM
actually i am from khammam .can i apply in HOSPET (karanata state) in sbi bank
Reply
bemoneyaware says:
May 16, 2015 at 5:00 AM
Yes you can apply from any bank
Reply
33.
ashok says:
May 13, 2015 at 9:20 AM
Dear Kirti
If one has opted for both PMJJBY(330/-) and PMSBY(12/-).
In case of PMJJBY the amount of 2L will be given for any cause of death and in case of PMSBY
amount is given if it is only an accidental.
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My question is if an accident occurs leads to death then 2L+2L will be given to nomiees or not?
Reply
bemoneyaware says:
May 16, 2015 at 4:59 AM
Yes Sir if someone dies in an accident, the nominee would get Rs. 4 lakhs.
Reply
34.
Manjunath.B.Pattar says:
May 13, 2015 at 8:29 AM
jana seve madalu agent agabahude
Reply
35.
rakesh kadam says:

May 13, 2015 at 6:27 AM
if person got accident he can go any of hospital near by the accidental place and avail the benefits of
the pradhanmantri suraksha bema yojana
Reply
bemoneyaware says:
May 16, 2015 at 5:09 AM
Sir it is not health or medical insurance.
Accident insurance covers following:
If one dies during accident
one gets benefit of Rs 2 lakhs
Death Benefit (Accidental Death)
If one loses both eyes, both hands, both legs or one eye and one limb in accident one gets Rs 2
lakhs
If one gets Disability of one eye or one limb one gets Rs 1 lakh
Reply
36.
ATUL says:
May 12, 2015 at 8:13 PM
i am tax payer but why apy is not for me?
Reply
Kirti says:
May 12, 2015 at 9:37 PM
If you are between 18-40 years you can invest in Atal Pension Yojna. As you are income tax
payer Government contribution is not available for you.
17/05/15 11:12 AM
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payers.
Reply
37.
Deewan Singh Bisht says:

May 12, 2015 at 6:53 PM
These schemes will secure our future and we must enroll for the same as I did.
Reply
38.
MANISH says:
May 12, 2015 at 6:19 PM
OPEN RD FOR SAME AMOUNT/SAME PERIOD U WILL GET MORE THAN THE PENSION
FROM MATURITY AMOUNT AFTER 60 YRS
Reply
Ganesh Pai D K says:
May 13, 2015 at 7:34 AM
i am sure,you cant continue RD upto end,you will withdraw cash.but in this plan you cant
Reply
39.
manju says:
May 12, 2015 at 5:11 PM
thank u honourable Modi ji, now all are equal, every one can get pension and life security.
Reply
40.
Ankush says:
May 12, 2015 at 3:53 PM
Dhanyawaad Shrimaan !!
Reply
41.
V Munish says:
May 12, 2015 at 2:09 PM
Can a housewife subscribe for Atal Pension Yojna? My age is 41 years and I can not be a part of APY;
but my wife is below 40 and housewife. Can she subscribe for APY?
Reply
Kirti says:
May 12, 2015 at 9:38 PM
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Yes she can . To subscribe to Atal Pension Yojna one has to be between 18 to 40 years of age and
have a saving bank account.
Reply
42. A step forward .. | innovatingindia says:
May 12, 2015 at 12:42 PM
[...] started Pradhan Mantri Suraksha Bima Yojana(accident insurance), Pradhan Mantri Jivan Jyoti
Yojana(life insurance) and Atal Pension [...]
Reply
43.
kumar salian says:

May 12, 2015 at 12:30 PM
Hi,
Can anyone help me with online link for all the three pradhan mantri yogna for hdfc bank.
Please email to kumarsalian26@gmail.com
thanks
kumar
Reply
Kirti says:
May 12, 2015 at 9:39 PM
Sir what kind of help do you need?
Reply
RAJ says:
May 15, 2015 at 3:43 PM
Dear Customer, Get Rs 2 lac Accident Cover with Pradhan Mantri Suraksha Bima Yojna for an
annual premium of Rs 12. To subscribe SMS PMSBY Y to 5676712 from your registered mobile
number. Premium amount will be debited from Your HDFC Bank Savings Account. For T & C &
other details click http://bit.ly/1PwqQXB
Reply
44.
SANJAY says:
May 12, 2015 at 12:16 PM
AGAR GOVT CHANGE HOGAYATHO YEE PLANS CHALEGA NAHI THO CANCEL O JAYEGA
Reply
Upendra Thakur says:
May 12, 2015 at 5:47 PM
17/05/15 11:12 AM
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Hi
Kirti please explain me,In case of policy holder expire before complated 60 years term then
What happen of their policy of Atal penssion Yojana?
Reply
Kirti says:
May 12, 2015 at 9:41 PM
Sir, In case of death of subscribe,r pension would be available to the spouse and on the
death of both of them (subscriber and spouse), the pension corpus would be returned to his
nominee.
We have explained such questions in our article Atal Pension Yojna
Reply
SP says:
May 14, 2015 at 3:00 PM
If subscriber of APY dies before the age of 60 years, will his spouse still get the
pension monthly,even though the subscriber has not paid the premium upto 60 years
of age?
Reply
SHIV RAM says:
May 14, 2015 at 10:47 AM
In case of policy holder expire before complated 60 years term then What happen of their
policy of Atal penssion Yojana?
Reply
bemoneyaware says:
May 16, 2015 at 5:31 AM
Sir,
If subscriber dies before age of 60 and has paid all the premiums till then his spouse
will NOT have to pay any more premiums and will get pension.
Whenever the spouse dies (it is not necessary for spouse to die before 60 years of
age) the nominee will get lump sum amount.
Reply
45.
sudarshan bhange says:

May 12, 2015 at 11:55 AM
afftwer joining this yojana i can eligibal for other goverment schem
Reply
46.
shyam says:
May 11, 2015 at 6:19 PM
17/05/15 11:12 AM
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jab sbi rs. 200/- me 400000/- ka insurance de rahi hi to pm kya de rahe hi

Reply
manish says:
May 12, 2015 at 1:50 PM
you are talking about which scheme.
Reply
MANISH says:
May 12, 2015 at 6:21 PM
SBI IS GIVING ACCIDENTAL INSURANCE WHILE PM IS GIVING SAME @ RS 12 PER 2
LAKHS
Reply
Kirti says:
May 12, 2015 at 9:44 PM
SBI overs personal accident insurance for
State Bank of India Savings Bank Account holders can get a Personal Accident Insurance
cover issued by SBI General of Rs. 4 lac just for a nominal annual premium of Rs. 200.
Policy covers death due to accident only.
Two variants are available:
i. Cover of Rs. 2 lac for an annual premium of Rs. 100
ii. Cover of Rs. 4 lac for an annual premium of Rs. 200
Reply
47.
Akash Jaiswal says:

May 11, 2015 at 4:19 PM
can I apply for all the 3 schemes together???
Reply
Kirti says:
May 11, 2015 at 6:04 PM
If you meet the requirements then YES you can apply for all 3 schemes.
But one has to fill separate form for each scheme.
Reply
Akash Jaiswal says:
May 11, 2015 at 7:06 PM
thnkxxx Kirti
Reply
17/05/15 11:12 AM
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48.
Raju Choudhary says:

May 11, 2015 at 4:17 PM
Nice information if you want more information for this scheme check http://caknowledge.in/pradhanmantri-suraksha-bima-yojana-complete-details/
Reply
49.
Kishan Lal says:

May 11, 2015 at 4:11 PM
Atal pension yojna seems not much effective and attractive as just 5000 pension is sufiicient after
contribution. So this need to reviewed and need to be linked with insurance plan. The age limit should
also increased to at least 50 years.
Reply
Kirti says:
May 11, 2015 at 6:05 PM
Rightly said. It is just a start and targeted towards unorganised sector.
Reply
50.
Prasad Bhalerao says:

May 11, 2015 at 3:26 PM
ATAL PENSION YOJNA IS HAVING LIMIT OF 5000 WE CAN ALSO IMPROVE THIS SLABS
UPTO 10000 SO AS PENSIONAR ALSO POOR PEOPLE AND ALSO MEDILE CLASS PEOPLE
WHO CAN INVEST MORE THAT 1454 PER MONTH
Reply
51.
US PANDEY says:
May 11, 2015 at 3:13 PM
Now I think the Government led by Honorable PM is really thinking about poor of the Country.
Reply
52.
VARUN MATHUR says:

May 11, 2015 at 3:06 PM
HELLO,I HAVE OPEN BOTH THE SCHEME SURAKSHA BIMA YOJNA AND JEEWAN JYOTI
YOJNA. BUT I ENTERED MY NOMINEE DATE BIRTH WRONGLY. CAN THIS WOULD BE
RECTIFY OR I CAN CHANGE THE DATE BIRTH.9899585594.
Reply
US PANDEY says:
May 11, 2015 at 3:16 PM
17/05/15 11:12 AM
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pl contact your Branch . These plans are linked with Aadhaar Number hence I believe there
should not be any problem to get the things corrected.
Reply
VARUN MATHUR says:
May 11, 2015 at 3:47 PM
BUT I VISITED TO THE BRANCH HDFC AND THEY WERE SAYING THAT
NOMINEE DATE OF BIRTH IS NOT COMPULSORY WHETHER IT IS MENTION
RIGHT OR WRONG IN THE POLICY. BUT AT THE TIME OF CLAIM I THINK DATE
OF BIRTH IS COMPULSORY OF NOMINEE ALSO. PLZ TELL ME. WHETHER I
HAVE TO CORRECT IT OR DATE OF BIRTH OF NOMINEE IS NOT REQUIRED
DURING CLAIM TIME.
Reply
Kirti says:
May 11, 2015 at 6:10 PM
Is your nominee a minor? In that case only date of birth becomes important.
Wait for sometime as banks are under pressure to open the account. Then check
with bank again
Reply
VARUN MATHUR says:
May 12, 2015 at 9:43 AM
THANKS KIRTI, AS MY NOMINEE IS NOT MINOR.AND I ALSO
CONFIRM WITH BANK THEY ALSO SAYING THAT NOMINEE DATE
OF BIRTH IS NOT MANDATORY, BUT AT THE TIME OF CLAIM
SETTLEMENT NOMINEE DETAILS IS REQUIRED ALONG WITH THE
CORRECT DATE BIRTH. SO PLZZ
US PANDEY says:
May 11, 2015 at 3:17 PM
You can change your nominee any time as per the Rule of IRDA (Insurance Regulatory Body.)
Reply
VARUN MATHUR says:
May 11, 2015 at 3:43 PM
THANKS .
Reply
53.
Ranjan Chakrabarti says:

May 11, 2015 at 3:02 PM
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People who join the scheme before completing 50 years can, however, continue to have the risk of life
cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
My question is if I continue the premium after 55 years then risk cover will continue ? yes or no ?
Reply
54.
SURAJ BHOPAL says:

May 11, 2015 at 2:59 PM
FIRSTLY -THANKS TO Shriman Narendra Modiji.
ALL THE PEOPLE GET THE BENEFIT THIS SCHEME AND JOIN THIS SCHEME.
Reply
55.
MANISH MITTAL says:

May 11, 2015 at 2:46 PM
Dear Sir,
as per my view on Pension Yojna its just a money game only.No extra amount will received to
subscribers other than 8% Interest.
Reply
56.
divya chauhan says:

May 11, 2015 at 2:35 PM
ty to modiji.
Reply
Raghav Gowda says:
May 11, 2015 at 3:47 PM
Dear sir
thanks very mach your sscheme & all pepole use the benfits
pradhan mantri suraksha bima yojana please contact your branch for details..
thanks
Raghav
Reply
57.
Vijai says:
May 11, 2015 at 2:27 PM
Really all schemes are very GOOD and it will be helpful to all the poor people. I really Thank You to
our Prime Minister MODI JI.
Reply
58.
Shashanka Sekhar Roy says:
17/05/15 11:12 AM
27 of 75
May 11, 2015 at 1:47 PM

It will help the poor people who were outside of insurance.So thanks Mr. MOdi for doing it.
Reply
59.
shyam sunder bais says:

May 11, 2015 at 1:37 PM
I like it
Reply
60.
MAHENDRA KUMAR SAHOO says:

May 11, 2015 at 12:42 PM
I AM PROUD OF OUR PRIME MINISTER.
Reply
61.
abhinav kumar says:

May 11, 2015 at 12:35 PM
thanks to Modi ji
Reply
62.
NIdhi keshari says:

May 11, 2015 at 10:47 AM
I like to my dear prime minister and his work
Reply
63.
Rahul Dubey says:

May 11, 2015 at 9:55 AM
kisi bhi bank me account open krne ke liye manager itni difficulties create karte hai,dunia bhar ki bate
samjhate hai 20 times daudate hai.Why. tab ye sab kase ho payega.
Reply
Kirti says:
May 11, 2015 at 6:08 PM
Abhi sab bank managers pressure mein hain, bada sa target achieve karna ha. Ab bank account
jaldi khul jayega
Reply
suraj says:
May 13, 2015 at 4:36 PM
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dube ji bank me jakar jan dhna yojana me khata kholwa lijiye aaram se khul jayega
Reply
64.
ABHAY KUMAR says:

May 11, 2015 at 1:38 AM
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI
Reply
65.
SANTOSHKUMAR says:
May 10, 2015 at 9:04 PM
Kirthiji now people getting old age pension without paying anything before, even i can get pension after
i become 60years, so why should i pay now? suppose if i pay now to this scheme later can i get both
pensions from bank and government? or else one?
now iam 32 years old.
Reply
66.
AMULYA KUMAR MAHARANA says:

May 10, 2015 at 7:58 PM
the plans are realy caring. since independence, we have been making plans for improvement of our
country. but we all know where we people stand. so let us give thrust to the plans we feel good by
involving ourselves in the system. let us spread the message from door to door and people to people by
organising meetings and creating awareness.
Reply
67.
pradip acharjya says:

May 10, 2015 at 7:23 PM
Kirti pl tell me the APY scheme applicable for men only? Women not eligible for the scheme?
Reply
pawan says:
May 11, 2015 at 2:49 PM
It is applicable for all
Reply
68.
Jaydeep Prajapati says:

May 10, 2015 at 6:53 PM
Lot of words to say for this plans but now MANY MANY THANKS Mr. PRIME MINISTER.
Reply
17/05/15 11:12 AM
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69.
pawan says:
May 10, 2015 at 4:00 PM
Thanks Mr.Prime minister.Now the poor people will have a reason to live.You are the last resort and
hope for the poor.Where were you all these long years.You should have come long time back than I am
sure there would not have been so much of poor people in the country ,my own brothers and
sisters.God bless all .
Reply
70.
ravindra arya says:

May 10, 2015 at 8:50 AM
i like every plan.i thingh many people will intrested in this plan
Reply
Kirti says:
May 10, 2015 at 6:41 PM
Yes Sir you are right
Reply
71.
Alex says:
May 10, 2015 at 4:10 AM
One of the terms say, Policy shall not be issued if nominee details are not provided in SMS / available
in SB account.. Does that mean that the nominee details should be present in my bank accounts also?
How can we simply nominate anyone with just a name without specifying any other details like DOB or
relationship?
What if I enrol myself from both my bank accounts (SBI & ICICI)?
Reply
Balaram says:
May 10, 2015 at 12:00 PM
How to get Pradhan Mantri Suraksha Bima Yojna SBI aplication from.tel me
Reply
Kirti says:
May 10, 2015 at 6:46 PM
Sir
if you look at the Atal Pension Yojna form at http://www.jansuraksha.gov.in/Files
/APY/ENGLISH/APPLICATIONFORM.pdf you would see that details required for Nominee are
Name of Nominee
Aadhaar number of Nominee
Nominee relation with the subscriber
If Nominee is minor then Date of Birth of Nominee, Guradian name
17/05/15 11:12 AM
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Nominee of APY scheme is different from that of Bank Account.

Reply
72.
Sushil Tiwari says:

May 10, 2015 at 1:00 AM
Ye to suruaat hai mere dost abhi to puri picture baki hai..
Har Har Mahadev!!
Reply
vijay kumar pandey says:
May 11, 2015 at 12:46 PM
Thanks to our Prime Minister, for this but we require another Health Surakcha (Medical)
Reply
73.
Sudhakar says:
May 9, 2015 at 10:44 PM
Hi
Previously Swawlaban Pention Yohjana(Pran Card ) was there and now Atal pention yojana .
I would like to know about
what will happen about Agents and franchise in Swawlaban yogana once all Swalaban NPS accounts
transferred from Swawlaban to Atal pention Yogana
also I would like to know ..Is there any francicy and agent ship present in Atal Pention Yojana?
Reply
74.
Sudhakar says:
May 9, 2015 at 10:37 PM
Hi
Previouly Swawlaban Pention Yohjana(Pran Card ) was there no Atal pention yojana .
I ould like to know about
what will happen about Agents and franchasing in Swawlaban yogana once all Salaban NPS accounts
transfered from Swawlaban to Atal pention Yogana
Is there any francicy and agent ship present in Atal Pention Yojana
Reply
75.
ASHOK GHOSHAL says:

May 9, 2015 at 10:04 PM
ACCHEY DIN AA GAYE HAIN
Reply
76.
p k sinha says:
May 9, 2015 at 9:30 PM
17/05/15 11:12 AM
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till date many people have no adhar card, is it mandatory to provide adhar card number to join in three
schemes
Reply
Kirti says:
May 10, 2015 at 6:53 PM
For Atal Pension Yojna, Aadhaar number of person opening the account is not required but of
Spouse and Nominee are required.
In other schemes also Aadhaar number is to be provided if available.
But going forward Aadhaar is becoming important if you want to obtain Passport, Fill ITR
Reply
77.
HALPESH J PAREKH says:

May 9, 2015 at 9:00 PM
YE SCHIM KUCHH SAMAJ ME NAHI ATISO PLEASE KUCHHH KHULKE BATO ISME KUCHH
CHITING LAGTA HAI
Reply
Kirti says:
May 9, 2015 at 9:41 PM
Aap kaun si scheme ki baat kar rahe hain?
Reply
Brahmdeo says:
May 10, 2015 at 12:11 PM
bhai ye bilkul cleared hai aur isme koi cheting nahi hai
aur skim batao me define krta hoon.
Reply
78.
Raju says:
May 9, 2015 at 8:09 PM
Can a NRI join the APY scheme ?
Reply
Kirti says:
May 10, 2015 at 6:55 PM
There has been no mention of whether NRI can or cannot join scheme. If one has a saving bank
account in India then one can join.
If you come to know otherwise do let us know.
Reply
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79.
Ramesh Kadari says:

May 9, 2015 at 7:24 PM
PM Yoganas schemas are good and benefits to poor people who does not have insurance and pensions.
Life time of indian people is now reduced below 60 years. if it is possible to get pension by age of 55. It
will benefits to many people in india.
To reducing pension age from 60 to 55 and for that increase the premimum. So it will be more benefit
for indian people.
Reply
80.
Dayanand says:
May 9, 2015 at 6:16 PM
This scheme very good.
His scheme information every center provide the local language.
I saw morning bank stitched in frame English language.
his not read or asking single person.
so I request provide local language.
Reply
Kirti says:
May 10, 2015 at 7:00 PM
Information about schemes is provided in following languages
Assamee,Bangla,English,Gujarati,Hindi,Kannada,Malyalam,Marathi,Odia,Punjabi,Tamil,Telugu
,Urdu at http://www.jansuraksha.gov.in/PublicityMaterial.aspx
Reply
81.
amit anand says:

May 9, 2015 at 5:59 PM
These are the nice schemes launched by our pm. Specially for those who are not in good wealth
condition
l m very greatfull to our great pm
Reply
82.
sethusangurajan says:
May 9, 2015 at 5:03 PM
My age is 25 now, according to the pension scheme monthly premium is Rs 376
once i reached my age 30, 35, 40 that time my monthly premium will be same 376 or it will be
increased by 577, 902 and 1454
pls let me know
Reply
Mukesh says:
17/05/15 11:12 AM
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May 10, 2015 at 12:06 AM

It would be same
Reply
83.
Krishn says:
May 9, 2015 at 4:44 PM
Hi Sir, These two schemes surely are low premium one and benefit lots of people. maximum age for
APY should have been made 45-48 years. As this is the time majority people become more practical
about post retirement life and starts planing. This is also potentially productive age. GOVT. SHOULD
SERIOUSLY CONSIDER RAISING THE MAXIMUM AGE FOR APY. Atleast 5 years if not 10 years.
Reply
Kirti says:
May 10, 2015 at 7:01 PM
I agree with you. Age limit should be till 50 years.
Reply
84.
Raktim Borah says:

May 9, 2015 at 3:57 PM
Now i m 35 years. I understand that I can enroll myself in APY scheme. At present i am not a member
of any other social security schemes and therefore I am eligible to receive Government co-contribution
as mentioned in the APY.
But what will happen if I join any other social security schemes after joining in APY scheme (after 2 or
3 years).
Reply
Kirti says:
May 10, 2015 at 7:03 PM
Are you an income tax payer?
payers.
If you are eligible for Govt. contribution then once you join Govt will stop contributing, is my
guess.
Reply
85.
meena kumari says:

May 9, 2015 at 3:44 PM
Is there any scheme for above 50 years.
Reply
17/05/15 11:12 AM
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Kirti says:
May 10, 2015 at 7:06 PM
Not comparable one, that we know of.
Reply
86.
VISHWAJEET S.GUDEKAR says:

May 9, 2015 at 3:13 PM
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.TWO Types OF Bima
yojana are very very Best For our Indian public. P nsion scheme is extended till the age limit of 50
years at the higher rate of investment for 10 years. Help to the age group of 41 to 50 years who are
really needed ,poor persons.
Reply
87.
Devendra says:
May 9, 2015 at 2:58 PM
thank you very much to Modi sir who issues these policies for someone who needs
Reply
88.
Anand Patil says:

May 9, 2015 at 2:48 PM
THANK YOU VERY MUCH MODIJI..! YOU ARE GREAT!!
NOW YOU OFFER MEDI-CLAIM POLICY ALSO.!
Reply
89.
Ravi says:
May 9, 2015 at 2:35 PM
these all the three schemes are very helpful for all Indians.
its my request to all please go for these schemes
Reply
90.
suesh kumar says:

May 9, 2015 at 2:33 PM
what about senior citizens? I think it should b up to 70 years.
Reply
91.
Maruti says:
May 9, 2015 at 2:12 PM
hank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
17/05/15 11:12 AM
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Reply
92.
Ramesh Thangaraj says:

May 9, 2015 at 1:24 PM
Drawback in Pradhan Mantri Jeevan Jyoti Bima Yojana plan
Pros:
-> Covers death by any cause (natural or accidental)
Cons :
->I have read the document and found the below point
Termination of assurance:
The assurance on the life of the member shall terminate on
any of the following events and no benefit will become payable there under:
1) On attaining age 55 years (age near birth day) subject to annual renewal up to
that date (entry, however, will not be possible beyond the age of 50 years).
Explanation :
Assurance amount 2 lakh will given only if the person dies before end of age 54.
So if he dies after attaining 55 age no assurance amount will be given.
Now my age is 22 at the age of 54 i would have paid 32 premiums that cost around
10560 (32*330). So if i die after 54 age no assurance will be paid to my nominee. My amount 10560
will be safe with LIC.
Reply
SURESHSHETTY says:
May 9, 2015 at 2:50 PM
THIS IS PURELY TERM INSURANCE ONLY REFUND IF YOU DIES BEFORE 55 OR ELSE
REFUND IS NIL
Reply
93.
Amit Goyal says:

May 9, 2015 at 1:18 PM
I have one question on Atal Pension Scheme, in case the nominee dies before both the subscribers then
in that case to whom will the corpus amount will be paid?
Is it the 1st or 2nd subscriber or will it that the corpus amount will be lapsed?
Thanks!
Amit Goyal
17/05/15 11:12 AM
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Reply
Ganesh Pai D K says:
May 10, 2015 at 5:52 PM
Respected Modiji,please also include term insurance premium (for the amount) into monthly
payment to solve
Reply
Kirti says:
May 10, 2015 at 6:31 PM
Sir, Rs 330 per annum will be deducted in one instalment. There is no monthly payment for
it.
Reply
94.
Virender says:
May 9, 2015 at 12:41 PM
Nice scheme. But anyone can explain me what happened when someone start the scheme and
unfortunately no more. Will pension start immediately to his wife or not? Suppose, what happened next
when he will pay only 1 year and so on?
Reply
95.
Binod Kumar Singh says:

May 9, 2015 at 12:32 PM
Thanks mr Priminster sahab ,You are Really Super prime Minister
Reply
96.
Varsha says:
May 9, 2015 at 12:07 PM
Whether the Atal pension yojana is availble for house wives??
Reply
Rohit says:
May 9, 2015 at 12:19 PM
Yes, this is available for all, who is between 18 to 40 years.
Reply
97.
Savaliya balu says:

May 9, 2015 at 12:04 PM
Thank Prime Minister your are really our care taker lot of thanks
17/05/15 11:12 AM
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Reply
98.
pratik suthar says:

May 9, 2015 at 10:39 AM
thanks!
Reply
99.
Vijay says:
May 9, 2015 at 10:23 AM
All 3 scheems are good. Its a good initiative, atleast some relief to the people of India.
About the Pension scheeme APY, this scheeme also very good based on the returns one person obtain,
maximum pension is Rs.5,000 per month.
A 40 year old person, when he attain the age of 60, in comming 20 years time, What is the value of
Rs.5,000 (after 20 years), I think it is equilant of Rs. 500 currently. Government should start something
which is really worth & helps people of India by thinking in mind what would the be future value of Rs.
5,000 in comming years
Reply
100.
anp says:
May 9, 2015 at 9:54 AM
All are very good scheme but it is useful for under 60 year what about above 60 year people main
senior citizen they are should get any benefit scheme
Reply
101.
Ajit kumar pattnaik says:

May 9, 2015 at 9:53 AM
Many many thanks modi ji.
Its a very useful plan for old age.
Thanks a lot again.
Reply
102.
Malabika Sarkar says:

May 9, 2015 at 9:40 AM
Both insurance scheme is beneficial for every individual. If a separate FAQ section had been attached
with it the questionnaire would be a ready and simple section for the readers who want to know in more
details.
For example, my question is whether an individual can join both insurance scheme, i.e., Pradhan
Mantri Suraksha Bima Yojana, and Pradhan Mantri Jeevan Jyoti Bima Yojana. In case one opt for
the both will his family be benefited for both the scheme, i.e., will they get 2laks plus 2laks 4 laks?
Reply
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bharath says:
May 9, 2015 at 10:53 AM
I have the same question. Could not get a proper answer from my bank either. Appears like the
policies are issued as group insurance policies by insurers tied up with your bank. For example,
ICICI provides these policies via ICICI Lombard and ICICI Pru life.
So would that not mean, they are individual policies and would be valid individually.
Can someone throw some light?
Reply
103.
vireesh says:
May 9, 2015 at 2:03 AM
Really care
Reply
sundar says:
May 11, 2015 at 6:40 PM
priminister is collecting money from public if you expire below the age of 54 the amount will be
refunded otherwise the amount will be left with pm
Reply
104.
Anirban Ghosh says:

May 9, 2015 at 1:17 AM
A big Thank you Dear Mr. Modi.
I would like to request you to instruct the banks to give this valuable information to every account
holders in India to encourage them to go for Pradhan Mantri Suraksha Bima Yojana and Pradhan
Mantri Jeevan Jyoti Bima Yojana.
I wish I can go and inform as many people I can to go for both the Yojona at least. But with out the
support of educated people this will not cover all the Indians.
But the best plan I have ever seen in my 40 years of life.
These are the best for every Indian.
Thank you again.
Reply
sundar says:
May 11, 2015 at 6:41 PM
you will not get a single penny after 55 years. So modi has target on life expectancy rate so he
has fixed for 55 years poor Indians
Reply
105.
Suman Kumar says:
17/05/15 11:12 AM
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May 8, 2015 at 11:45 PM

i dont wont this I ma a software engineer my company already having same kind of insurance like this
so its my humble request to find some thing which is really need for genuine people
Reply
bharath says:
May 9, 2015 at 10:55 AM
dont take it if you dont want. There is a cost for any insurance. This is the cheapest I have ever
seen. Im a long time software engineer too. And Im sure Im going to subscribe to these.
Reply
sundar says:
May 11, 2015 at 6:42 PM
first know about this insurance then decide
Reply
Ravindra says:
May 9, 2015 at 12:36 PM
Hi Think as common man, You have enough money to take any kind of insurance, but in indai
there are 50% of peoples are in below poority line think about those people. First you appropriate
our goverment for these youjans. I hope you understand POOR people pain.
Reply
106.
ann says:
May 8, 2015 at 11:35 PM
Reply
107.
ann says:
May 8, 2015 at 11:35 PM
2 Types Bima yojana is very very Best For our Indian public .
Reply
108.
ann says:
May 8, 2015 at 11:34 PM
Thanks mr Priminster sahab ,You are Really Super prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
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Reply
109.
ann says:
May 8, 2015 at 11:33 PM
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public .
Reply
110.
Abhimanyu sahoo says:

May 8, 2015 at 10:34 PM
Thanks mr Narendra Bhai Modiji,You are Really No 1 prime Minister of India.
Your 2 Types Bima yojana is very very Best For our Indian public ..
Reply
sundar says:
May 11, 2015 at 6:43 PM
accidental is benificial other is waste of money
Reply
111.
Pankaj says:
May 8, 2015 at 8:45 PM
What does it mean: unorganised sector (in reference to pension plan)
Reply
rav says:
May 9, 2015 at 12:35 AM
private companies do not have pension scheme!
Reply
112.
Ramkumar Vyas says:

May 8, 2015 at 7:44 PM
Earnings are not at all sufficientfor todays surviving where from money comes to contribute in PMs
insurance schemes. PMs idea is good to get money for nations development but first he has to do
something for increasing of earnings of people who are working in small and medium private sectors.
Reply
113.
MURIGEPPA BANNI says:

May 8, 2015 at 6:53 PM
Most appreciable if pension scheme is extended till the age limit of 50 years at the higher rate of
investment for 10 years. Help to the age group of 41 to 50 years. Bring more investment to Govt A/c.
17/05/15 11:12 AM
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So also Medicare insurance is also important with certain limits and for certain deceases.
This is the way to ACHHE-DIN for poor and middle class people.
Reply
114.
Subodh Kumar says:

May 8, 2015 at 6:32 PM
Very good scheme for Indians. This very helpful to government as well as people.
Reply
115.
Digambar says:
May 8, 2015 at 4:59 PM
these all the three schemes are very helpful for all Indians.
its my request to all please go for these schemes
Reply
116.
Kbkarna says:
May 8, 2015 at 4:30 PM
Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line
community..
Thank you very much indeed.
Reply
117.
Prakash Jha says:

May 8, 2015 at 4:14 PM
Lots of Thanks
Dear My Dear Modi Sir,
God kre ki app 100 year tak hmare bharat maa ki sewa kro
Reply
sundar says:
May 11, 2015 at 6:44 PM
jagoooooooooooooooooooooooooooooooooooooo
Reply
118.
Sakti Sankar Podder says:

May 8, 2015 at 3:12 PM
Thank you Sir. This is very good policy.
If this type of mediclaim policy is introduced than it will be a great Favour of our middle class people.
17/05/15 11:12 AM
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Reply
119.
Akash Somanath Narayane says:

May 8, 2015 at 3:00 PM
Thank Prime Minister sir
Aap jo kar rahe he eska sabi aam jantako lab hog .
Kinu es yojanak labha vahi lenge jo shahar me he jinke pas mo.. he
Es vojana ke adhi janakari ke liye gaon-gaon jakar batana chagiye or yr jaruri ku he batana bi chahiye
.
Akash narayane
Mob 8855924201
Reply
120.
Radhakanta Parida says:

May 8, 2015 at 3:00 PM
Thanks our P.M Mr.Narendra Modi ji
Reply
121.
Radhakanta Parida says:

May 8, 2015 at 2:58 PM
Thanks Our P.M Mr.Narendra Modi Ji
App yadi khane ka saman ko kama deninge to sab se acha hoga sir
Best of Luck
Reply
122.
navven says:
May 8, 2015 at 2:21 PM
super scheme
Reply
123.
Vipin Singh says:

May 8, 2015 at 1:09 PM
can i change the bank account later after joining Pradhan Mantri Suraksha Bima Yojana ?
Please advise
Reply
124.
manasa says:
May 8, 2015 at 12:53 PM
when the age is more than 40 and below 50 ..cant they join atal pension yojana
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Reply
Rajendra says:
May 8, 2015 at 12:58 PM
Which pnsion scheme for those people who having age of more then 40.
Reply
125.
suresh says:
May 8, 2015 at 12:25 PM
When we will get the sum assured (8.5 lakhs) if we opt out for 5000 pension plan.
Reply
126.
HIRALAL says:
May 8, 2015 at 12:16 PM
some adviser should be appoint for that scheme other so many people literally aware about hole scheme
Reply
127.
GOURAV DAS says:

May 8, 2015 at 12:16 PM
Thank You Mr Narender Damodardas Modi Ji
Reply
Manjunath says:
May 8, 2015 at 1:00 PM
hi, iam calling to both toll free no: from almost 3 days more than 100 times but no response. its
only voice mssg is coming in that!! & I also tried states wise toll nos: also its also telling from 3
days > I Really hv a dont in this for people of india can utilise it???
Reply
128.
Rajendra says:
May 8, 2015 at 12:15 PM
hi Kirti,
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ then
which one pansion scheme we can joing who will give us similar benifit
Reply
sanjay sharma says:
May 10, 2015 at 12:35 AM
can you tell us how will joing APJ, if our age is more then 40 or advice if will unable to joing APJ
then which one pansion scheme we can joing who will give us similar benifit
17/05/15 11:12 AM
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Reply
Kirti says:
May 10, 2015 at 4:36 AM
No Sir you cannot join if your age is more than 40 years
Reply
Kirti says:
May 10, 2015 at 6:47 PM
Sorry Sanjay if one is above 40 years one cannot join Atal Pension Yojna
Reply
sundar says:
May 11, 2015 at 6:46 PM
he wil not allow because he reduced pension age by 40 otherwise all indians will cover
Reply
129.
HIRALAL says:
May 8, 2015 at 12:13 PM
Are bhai iska koi adviser hai ya nahi
Reply
130.
Antony says:
May 8, 2015 at 10:55 AM
thank you PM ji
Reply
131.
Antony says:
May 8, 2015 at 10:54 AM
Thank you prime minister Ji
Reply
132.
Sanjeet says:
May 8, 2015 at 10:41 AM
Ye yojna bakwas hai. Is se achchha to post office ka M.I.S(monthly income scheme ka hai. Plz
calculate your amount and interest.
Reply
133.
Pradeep says:
17/05/15 11:12 AM
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May 8, 2015 at 9:54 AM

In case a member is covered under PMJJBY with LIC of India / other company
through more than one account and premium is received by LIC / other company
inadvertently, insurance cover will be restricted to Rs. 2 Lakh and the premium
shall be liable to be forfeited
What do the above clause mean, If i have a policy already with LIC am I not eligible for PMJJBY
Reply
Abhi says:
May 8, 2015 at 9:13 PM
This has got to do with one individual applying for multiple PMJJBY policies. For example, if
you contribute Rs 330 per year through SBI for PMJJBY and also another Rs 330 through PNB
so that your nominee gets Rs2L x 2 i.e. Rs 4L, the cover will be restricted to Rs. 2L only and the
premium paid with the other bank shall not be returned. Reasonable.
Reply
bharath says:
May 9, 2015 at 10:59 AM
you can buy as many insurance policies as you want. But under these govt plans, all you get is
2LK coverage even if you pay via more than one bank. So the bottom line is under each of
these plans, you will subscribe to only one policy with only one bank.
Reply
134.
Jose fernandes says:

May 8, 2015 at 12:00 AM
in case of death before 60 who shall pay remaining installments upto the age of 60 years?
Please advice
Reply
Kirti says:
May 8, 2015 at 5:18 AM
In case of death before 60 years, no one needs to pay instalments. Spouse will start getting the
Pension.
Reply
135.
Shital Gokule says:

May 7, 2015 at 11:02 PM
Thanks honrable Prime Minister you are really our care taker
Reply
17/05/15 11:12 AM
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136.
vinod says:
May 7, 2015 at 8:43 PM
Hi
I am vinod. Whose is eligible to take the policy? How to take policy and where should I go to take this
policy? We are family of four. Can we all take this policy? Please reply to my mail:
vinodpadala86@gmail.com
Reply
Kirti says:
May 8, 2015 at 6:08 AM
Sir,
Which policy are you talking about?
We dont reply to queries on email. Hope you understand.
Reply
137.
Keerthi says:
May 7, 2015 at 7:48 PM
Judt like that
Reply
AGNIMITRA AMARNATH says:
May 7, 2015 at 8:53 PM
Thankyou for prime minister, Good plan, please implement more plans, it would be helpful.
Reply
138.
RK MANICHANRA SINGH says:

May 7, 2015 at 5:10 PM
THANK You Prime minister for future generation thinking growth of nation.
Reply
139.
Ranjan Robert says:

May 7, 2015 at 5:05 PM
(APY) wife and husband both can have this policy.
Reply
140.
BIMAL SINGH says:

May 7, 2015 at 4:58 PM
thanks mr. narendra modi je
17/05/15 11:12 AM
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Reply
141.
satish singh says:

May 7, 2015 at 4:23 PM
very very thanks our prime minister mr. Narendra modi.
Reply
142.
Anupam Mitra says:

May 7, 2015 at 4:16 PM
My Kidney is failure now under treatment is it cover under Pradhanmantri jeeven jyoti yojna.
Hopefully you can provide some solution to the problem.
Regards,
Anupam Mitra
Kolkata
Reply
143.
gajanand odd says:

May 7, 2015 at 4:02 PM
i am very happy for atal pension yojna
Reply
144.
Amarjeet says:
May 7, 2015 at 2:42 PM
Very Fine
Reply
145.
BHARAT RAI DAMOH MP says:

May 7, 2015 at 2:31 PM
sir ladko ko koi bhi yojna nahi hi kaya agar kisi ka ladke hi aur wo bhi gharib hi to jinki parivar ati
gharibi se gugar kar raha hi to ashe logo ke sath bhed bhad bhav kyo ho raha hi
Reply
146.
MAHESH says:
May 7, 2015 at 1:01 PM
DEAR SIR.,
MERA SAWAAL YE HAI KAGAR SATTA / SARKAR CHANGE HOTI HAI TO KYA ISS JAISI
KISI BHI SCHEME ME KUUTCHH / KOI BHI CHANGE HOGA KYA.?
HAAAA K NAAAAA
17/05/15 11:12 AM
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Reply
varun says:
May 7, 2015 at 10:52 PM
naaaa govt change se is par koi fark nahi padega
Reply
Varun says:
May 8, 2015 at 10:48 AM
No change will happen. anyway this scheme was planned my UPA-2 government. and was
scheduled to roll out in 2014.
Reply
147.
jitu pawar says:

May 7, 2015 at 12:54 PM
.. .
. ,
.. ,

..
.
Reply
148.
anil kumar says:

May 7, 2015 at 12:32 PM
Dear sir,
What is the main difference between suraksha bima yojna and jeevan jyoti bima yojna because both
seen same but premium is different.
Reply
149.
Arvin says:
May 7, 2015 at 11:50 AM
Good Initiative. But what will happen to all these schemes, if the govt changes in next 4 yrs ?
Reply
sundar says:
May 11, 2015 at 6:47 PM
trashhhhhhhhhh
17/05/15 11:12 AM
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Reply
150.
a.r.subramanian,b sC,ACA,ACS says:

May 7, 2015 at 11:23 AM
i AM THE HEAD OF A FMILY OF FIVE PERSONS AND TWO OF THM ARE WELL COVERED
FOR INWSURANCE AND HAVE DECENT INCOMES.cAN i BUY THE ACCIDENT AND ALSO
THE JEEvAN BIMA YOJANA COVERING THEM FOR ADDITIONAL COVERAGE OF rS 2 LACS
OR ELSE IS IT MEANT ONLY FOR PERSONS NOT HAVING OTHER INSURANCE COVER.
rULES ARE NOT AVAILABLE TO CLARIFY ON THIS POINT AND THIS IS IMPORTANT FOR
MANY URBAN DWELLERS. pLEASE CLARIFY. ARSMURUGANARUL@G MAILCOM.
Reply
151.
Shib Shankar Bhunia says:

May 7, 2015 at 11:23 AM
Thank Prime Minister your are really our care taker.
Reply
152.
ABHIJIT SARKAR says:

May 7, 2015 at 11:14 AM
if someone joins APY at 18 yrs of age and after sometimes he or she gets a govt job with EPFwill he
get the pension after completion of 60yrs of his age?
Reply
153.
Harikrishnasairaj k says:
May 7, 2015 at 9:47 AM
Pension is ok, but what about the principle amount paid by the people.
Finally who will get it? When they will get it ?
Reply
154.
siva kumari says:

May 7, 2015 at 9:08 AM
sir my date of birth is 28-4-1975. am i elegible to take APY. If yes to get a pension of 3000 per
month how much i have to pay annually or monthly. i am a house wife and do not have any pension
schemes.
Reply
Pradeep says:
May 9, 2015 at 3:18 PM
After reading the policy document, It says that people above 40yrs are not eligibile for this
scheme
Reply
17/05/15 11:12 AM
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155.
PIPENDRA BHARTI says:

May 6, 2015 at 5:45 PM
Thank prime minister and all poor man your help,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
Reply
156.
asad jamal says:

May 6, 2015 at 5:03 PM
Sir jee I liked your page first of all & Thanks to our pm for launching jeevan jyoti bima & suraksha
bima yojna.I want to know that I pay tax so can I avail these two schemes.And if I go for life time auto
debit from my bank for both of these schemes then can I change my nominee later after few yes, due to
any circumstances.
Reply
Kirti says:
May 7, 2015 at 5:57 AM
Yes Sir Nominee can be changed anytime.
The details of the scheme would be available soon and then it would be clear who can join the
scheme. Currently for jeevan jyoti bima & suraksha bima yojna there dont seem to be any
restrictions
Reply
157.
Prashant says:
May 6, 2015 at 4:49 PM
My wife is a patient of blood cancer is it cover under Pradhanmantri jeeven jyoti yojna. I ask from all
insurance co. & they denied to make insurance. Is it cover under it.
Reply
Kirti says:
May 7, 2015 at 5:59 AM
Sir,
Sorry to hear about your wife. Our best wishes are with you.
Insurance company will not provide insurance as she has been diagnosed .
The details of the scheme would be available soon and then it would be clear who can join the
scheme.
Reply
158.
Sahil Mahajan says:

May 6, 2015 at 3:53 PM
For queries, call at 9555610478
Reply
17/05/15 11:12 AM
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Kirti says:
May 7, 2015 at 6:01 AM
Bemoneyaware does not recommend or support any numbers/contact left as comments. Please
do so at your own risk
Reply
159.
Sweta says:
May 6, 2015 at 2:49 PM
Please clarify that a person who is having taxable income can also get himself enrolled under this
scheme.
Reply
Kirti says:
May 7, 2015 at 5:59 AM
Currently for jeevan jyoti bima & suraksha bima yojna there dont seem to be any restrictions.
But details of scheme will be out soon
Reply
160.
yogita says:
May 6, 2015 at 1:48 PM
Hello, Thank you very much Pradhan Mantiriji. Apne aam janata ke liye ye suvidha suru ki he. Main
janan chahti hu APY ke bare me. Agar 60 saal ke pehle koi gujar jata hai to us ke pati/patni ko turant
pension chalu ho sakti hai kya??
please reply me
Reply
Kirti says:
May 7, 2015 at 6:02 AM
Jee haan. Agar 60 saal se pehly koi gujjar jaye to uske pati/patni ko pension milegi.
Reply
161.
Abhishek Das says:

May 6, 2015 at 12:06 PM
Hi Kirti,
I am working in a MNC company under EPF scheme. Am i eligible for Atal pension scheme??
Reply
Kirti says:
17/05/15 11:12 AM
52 of 75
May 7, 2015 at 6:00 AM

Sorry Sir, you wont be eligible for the scheme
Reply
Kirupa Vasanthan says:
May 10, 2015 at 7:49 PM
Any Citizen of India can join APY scheme. The following are the eligibility criteria,
i The age of the subscriber should be between 18 40 years.
ii He / She should have a savings bank account/ open a savings bank account.
iii The prospective applicant should be in possession of mobile number and its
details are to be furnished to the bank during registration.
Only Government co-contribution will not be available for the tax payers or having any
social security schemes.
Reply
162.
rahul says:
May 6, 2015 at 10:14 AM
Hello,can you tell me after 60 year i will get 5000/pm till how many year.
till my death.
And if i exit before 60 then who will get pension.
Reply
Bhavani Shankar says:
May 6, 2015 at 12:48 PM
if you want to get 5000/- PM as Pension , need to pay the pension contribution according to your
Age of enrol into this scheme by following the NPS Table mentioned in APY.
You will get the Pension till your death after 60 years of your Age,
Moreover, you cannot leave from the pension scheme before Age of 60yr. If do so,
Hope your queries get clarified.
Reply
Kirti says:
May 7, 2015 at 6:18 AM
Thanks for the reply
17/05/15 11:12 AM
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Reply
Pradeep says:
May 9, 2015 at 3:21 PM
To add to the above ur spouse will continue to get the pension after your death and once u
both are no more the corpus amount of approx 8.5 lakhs will be given to your nominee.
Reply
163.
siva says:
May 6, 2015 at 10:09 AM
does any income tax saver benefits are there with these schemes?
Reply
Kirti says:
May 7, 2015 at 6:06 AM
None have been announced so far.Waiting for more details
Reply
164.
Sanjib Ray says:

May 6, 2015 at 2:24 AM
There is a pension scheme, i dont know the name, it is probably Atal pension yajona, where pensioner
will get the pension after attaining the age of 60 but i think it will not attract any people, because a
service man is not going to opt this scheme nor a businessman, they have other better option. But it is
also not profitable to poor where labourer, farmer, or any other low income hard working profession.
Because
1. People of profession like labourer, farmer etc find it difficult to work at the age of 45-50, then how
can they work till the age of 60 and contribute to their pension scheme when they dont have the money
to eat their dinner.
2. A people on average live 60 to 65 years. Then why they will provide their income every month to get
a pension of rs1000 per month. Rs 100 is lot to some people.
3. There is a confusion about payment figure. If someone young now opt for the pension scheme and
will he/she get the pension of rs 1000 or 5000 whatever the scheme he/she is opting for. Rs 2000 may
be the pocket money of a son of a labourer after 50 years.
Modi government is really doing some great things for people but i think they should think about the
scheme once more. I know there are lots of experienced brain working behind those policy making but
they may be thinking like some experienced brained people who thinks that people( may be families,
not sure about that) with earning of rs 25 per day are not poor(not pure whether 25 or other but its
around 25).
Reply
Kirti says:
17/05/15 11:12 AM
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May 7, 2015 at 6:08 AM

You have raised good questions.
Govt tried NPS Swavalamban Pension scheme but did not get good response.
Only time will tell how people respond to this scheme
Reply
Anand.s says:
May 11, 2015 at 2:46 PM
Sir i have one doubt this iam paying 5year be chance 2 or 3 months i have not paid wat
happened apy scheme please give me answer,
Anand.s
Reply
165.
Supriya says:
May 5, 2015 at 8:20 PM
Hi,
I am already having Swavalamban Pension scheme.Does it automatically converted in to APY? Should
i contribute monthly or yearly?
Reply
166.
sunil Sharma says:

May 5, 2015 at 5:39 PM
Thank You, Pradhan Mantri Ji,Beema Yojna Se lagta Hai ki Apko Desh Ki Janta Ki Chinta Hai, Varna
Sare Neta Ji Pahale Apne Bare Mai Sochte Hai. Thank You Once Again
Reply
167.
Murli Dhar Sharma says:

May 5, 2015 at 5:06 PM
sir my age 36 year and 5 months ha iwant per month 5000 please tell me contributed amount and ye
policy kon dega
Reply
chand says:
May 6, 2015 at 7:56 AM
ese wala policy sapne me sochna nhi
Reply
168.
Raja says:
May 5, 2015 at 3:44 PM
17/05/15 11:12 AM
55 of 75
Currently i am not a member in any Pension scheme as i running my own small business. So i am
eligible to join the Atal Pension Yojana scheme. But if i get an employment in the next few years, what
will happen? Can i continue in the scheme? If not, then will i get any money after 60 or can i withdraw
the amount invested till then?
Reply
Kirti says:
May 7, 2015 at 6:09 AM
The Atal Pension Yojna is focused on un organised sector. Details of scheme are awaited as to
who all can enroll. Scheme will be launched on 1 June 2015
Reply
169.
R K YADAV says:
May 5, 2015 at 2:31 PM
THANKS PRIME MINISTER FOR LAUNCHING APMJBY PMJJBY GIFTS TO THE PEOPLE OF
INDIA
Reply
170.
naresh Chandra says:

May 5, 2015 at 1:56 PM
Sir agar 60 year se phle death ho jaye to uss condition mei kya provision hai ? mera matlab death k bad
nominee ko pension kab se milni shuru ho jayegi ?
Reply
Kirti says:
May 7, 2015 at 6:11 AM
Agar kisi ko death ho jaati hain tu unke wife/husband ko pension milege. Unki wife/husband ke
baad nominee ko lump sump milega.
Reply
Ranjit Sengupta says:
May 12, 2015 at 3:37 PM
1. Man lijia ki mai 5-10 years tak paisa de paya, or aga koi karon bas nehi de paya or koi
karan bos break ho gayatab iss mamle me kya hoga?
2. After 65 years ke bad mera koi karan bas death ho gya.us samay kya hoga? tab to
mujhe pension dene to swarglog nehi jaiaga.iss mamle me please clear kijia.
3. kya aki account me husband & wife dono iss pension yojona kar sakte hai?
Reply
Kirti says:
17/05/15 11:12 AM
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May 12, 2015 at 9:51 PM

1. What will happen if required or sufficient amount is not maintained in the savings
bank account for contribution on the due date?
Non-maintenance of required balance in the savings bank account for contribution
on the specified date will be considered as default. Banks are required to collect
additional amount for delayed payments, such amount will vary from minimum Re 1
per month to Rs 10 per month as shown below:
Re. 1 per month for contribution upto Rs. 100 per month.
Re. 2 per month for contribution upto Rs. 101 to 500 per month.
Re 5 per month for contribution between Rs 501 to 1000 per month.
Rs 10 per month for contribution beyond Rs 1001 per month.
Subscriber should ensure that the Bank account to be funded enough for auto debit
of contribution amount. The fixed amount of interest/penalty will remain as part of
the pension corpus of the subscriber.
2. In case of death of the Subscriber due to any cause: In case of death of subscriber
pension would be available to the spouse and on the death of both of them
(subscriber and spouse), the pension corpus would be returned to his nominee.
3. Yes agar unka bank account hai aur woh 18-40 years ke beech hain.
Reply
171.
sekhar kar says:

May 5, 2015 at 1:24 PM
I am from West Bengal, I am self employed and doing some typing job &
Science Graduate. My D.O.B is 15th. January 1970. I would like to join
in ATAL PENSION YOJANA. But my age is not permit. Why I suffer to
not get such schemes previous government? PLEASE DO SOMETHING FOR AGE
RELAXASION. T H A N K S.
Reply
172.
DILIP PARMAR says:

May 5, 2015 at 12:48 PM
THIS SCHEME IS EVERY PEOPLE TAKING BENIFIT OF THE SCHEME
Reply
173.
shatrughan tiwari says:

May 5, 2015 at 11:35 AM
pradhan mantri ji aap ne bhot badiya scheem nikali hai magar kya aap bata sakte hai ki aap ke
17/05/15 11:12 AM
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government na ho to kya ye scheem continu rahe ge , ya fir logo ko insurance bhi rashan ki dekano par
hi milege
Reply
174.
Aarti kandpal says:

May 5, 2015 at 10:08 AM
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family
Reply
175.
LAXMIKANTH DOULTHABAD says:

May 4, 2015 at 10:16 PM
THANKS TO MODIJI, WHO IS VERY MUCH CONCERNED ABOUT THE HEALTH OF BELOW
POVERTY LINE PEOPLE. THESE TWO SCHEMES ARE VERY HELPFULL. YE GARIBI HATAO
SARKAR NAHIYE GARIBI MITAO SARKAR HAIN. THANKS ONCE AGAIN.
BHARATH MATHA KI JAIJAI SRI RAM.
Reply
176.
L.D.Sethi, Bhubaneswar (Odisha) says:

May 4, 2015 at 8:17 PM
Thanks to the Hon`ble PM Modiji for the noble idea & the welfare of Indian family. I want one
clarification that, I have two different bank account, can I opt this scheme for both the accounts or not.
Kindly clarify the same through my mail please.
Reply
rajeev suyal says:
May 4, 2015 at 11:26 PM
No you cant. One person can take only one policy. Its very simple go to ur bank and just sign
auto debit declaration form for PMJJBY & PMSBY.
Reply
surendra singh yadav says:
May 4, 2015 at 11:57 PM
You can apply only in any one a/c.
Reply
177.
Maruti Gurami says:

May 4, 2015 at 7:12 PM
Could you tell me whether state govt employees who are contributing monthly contribution under NPS
are eligible for this scheme?
17/05/15 11:12 AM
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Reply
Kirti says:
May 5, 2015 at 6:13 AM
For Atal Pension Yojna no but for other two schemes it should be possible. Still waiting for more
information on the schemes.
Reply
178.
abi says:
May 4, 2015 at 6:36 PM
can the change in government in future days affect the scheme?Is it sure the people enrolled in this
schemes get benefit in such condition
Reply
Kirti says:
May 5, 2015 at 6:15 AM
Good question and theoretically it is possible.
But usually party in power avoids reversing such decisions ex Aadhaar which was supported by
UPA led govt has now become one of the most important document to have.
Reply
179.
Shivaraj M A says:
May 4, 2015 at 4:36 PM
Please confirm me whether we get back any amount once we reach 50 or 70 years of age, like maturity
benefit.
Reply
rajeev suyal says:
May 4, 2015 at 11:29 PM
No, its a term plan, u have to renew it every year by paying Rs.330/- & Rs.12/-.
Reply
Kirti says:
May 5, 2015 at 6:20 AM
For Atal pension Yojna you contribute till you become 60 years of age. Depending on the
contribution
you will get pension till you are alive
your spouse(wife/husband) will get pension after the subscribers death
After spouse death nominees will get the amount.
For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60 ie 25
years.
17/05/15 11:12 AM
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Reply
180.
kamlesh yadav says:

May 4, 2015 at 12:52 PM
Thanks for scheem
Reply
181.
Niyaz Ahmed says:

May 4, 2015 at 12:38 PM
Am now 55 year, can i subscribe the APY and i want take Rs.5000/-pm from 60 year. please send
details.
Reply
Kirti says:
May 5, 2015 at 6:17 AM
The minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40 years.
One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 55 years of age you are not eligible to join.
Reply
182.
SAMIR KUNDU says:

May 4, 2015 at 12:30 PM
i am already enter NPS (a pran card holder) scheme with swabalamban active position ,contribution for
swabalamban also received in last year(13-14),my DOB 02.01.1974,how i operate my a/c?
Reply
183.
sunil arora says:

May 4, 2015 at 12:17 PM
Good News everybody.. all three schemes are launching by 9th may at kolkata..
everything u want to know abt scheme is available to me now.. at my email id sunil2k11@yahoo.com
Reply
184. Sunday Roundup Weekly Magazine - Social Security Schemes - Sukanya Samriddhi Account says:
May 4, 2015 at 3:30 AM
[...] Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri Jeevan Jyoti Bima Yojana and Atal Pension
Yojna @ BeMoneyAware.com [...]
17/05/15 11:12 AM
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Reply
185.
K.murali says:
May 3, 2015 at 7:43 PM
All student joint good scheme
Reply
186.
Hemanta prakash Nath says:

May 3, 2015 at 4:05 PM
Dear
Sir, I request you this scheme give the csc. and all vle give Banking,insurance,pension.
thanks..
Burha,Darrang,Assam
contact- 9854929985
Reply
Kirti says:
May 4, 2015 at 5:44 AM
Sir could you explain your question. We are unable to understand it.
Reply
RAM says:
May 4, 2015 at 12:48 PM
good news for all indian citizens i hope everybody will get these schemes
Reply
sunil arora says:
May 4, 2015 at 12:26 PM
dear mr. hemanta for this you have to talk to you SCA.. other wisse let me assure you that this
scheme will be provided by all the POPs and aggregators as swavlamban was.. so, not to worry
it will be in your CSC
Reply
187.
krishnan karur says:

May 3, 2015 at 10:02 AM
is there any logo for pmjjby/pbsby/pmapj schemes?
Reply
Kirti says:
May 4, 2015 at 6:03 AM
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There would be but it is not launched till now. As schemes are going to launched on 1 June
around that time logo will be available.
Why interest in logos of these schemes?
Reply
sunil arora says:
May 4, 2015 at 12:18 PM
yes ! pfrda is the only logo for APY..
Reply
188.
sanjiv sharma says:

May 3, 2015 at 9:49 AM
I am a govment employee .can I also take this yosna?
Reply
Kirti says:
May 4, 2015 at 6:11 AM
Which Yojna are you interested in?
These schemes will be launched on June 1 2015/
The Atal Pension Youjna focus is on the unorganised sector. As you have EPF/NPS you would
not be eligible for it.
But for Pradhan Mantri Suraksha Bima Yojana and Pradhan Mantri Jeevan Jyoti Bima Yojna it
should be possible. Wait till 1 Jun 2015 for clarity
Reply
sunil arora says:
May 4, 2015 at 12:19 PM
you are already enrolled with NPS
Reply
Abani Kumar says:
May 4, 2015 at 3:19 PM
I am reaching Agem of 53, Can I join in APJ, please confirm it.
Reply
Kirti says:
May 5, 2015 at 6:27 AM
he minimum age of joining Atal Pension Yojna,APY, is 18 years and maximum age is 40
years. One needs to contribute till one attains 60 years of age.
Sorry Sir, as you are 53 years of age you are not eligible to join.
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Reply
189.
esreddy says:
May 3, 2015 at 7:00 AM
All the three schemes will be operated by PSU Banks. Either life or general insurance companies are
the service providers. Contribution of the premium by auto debit so people must inculcate banking
habits. clarity should be provided on continuation of pension after death of pensioner before pension
starts or in the middle after 60 years. A person started to contribute but after few years, he is not in a
position to contribute for APY,what will happen to his corpus etc to be clarified
Reply
Kirti says:
May 4, 2015 at 6:12 AM
Yes Sir you have a good point.
We need to wait till 1 June 2015 when there will be more clarity.
Reply
sunil arora says:
May 4, 2015 at 12:24 PM
there are few Point of presense are appointed by PFRDA to provide Pension Schemes to all. like
UTI.. you question abt if someone is not in the position to pay contribution Once started every
body has to pay contribution forcefully .. if not your accound will be hold with in 3 months and
totally blocked after a year.. these are the only draw backs abt this APY Scheme. which were not
in swavlamban scheme.
Reply
190.
kunal says:
May 2, 2015 at 9:52 PM
can be valid Jan Dhan Yojana account for Pradhan Mantri Suraksha Bima Yojana,Pradhan Mantri
Jeevan Jyoti Bima Yojana and Atal Pension Yojna
Reply
191.
Sajjan says:
May 2, 2015 at 3:08 PM
Great Job by our GreaT PM Sir.
Is there any pension scheme wherein the pension increases as per inflation, like govt employees get
Reply
Kirti says:
May 4, 2015 at 6:13 AM
We are not aware of it.
17/05/15 11:12 AM
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Reply
192.
pintu kumar maity says:

May 2, 2015 at 2:29 PM
thank prime minister you are really hiro of my life.
Reply
193.
prahlad says:
May 2, 2015 at 2:06 PM
i am at age 37 years.i want to take the scheme for the pension of rs 5000 .if my death occured at the
age of 45 years what benifit i will get and then how the scheme will work then after.
Reply
Kirti says:
May 5, 2015 at 6:30 AM
We pray to God that does not happen.
But if someone joins at age of 37 years and contributes for pension of Rs 5000,
after his/her death
the spouse(wife/husband) will get pension after the subscribers death
After spouse death nominees will get the indicative amount.
Reply
194.
anish says:
May 2, 2015 at 12:40 PM
in the life insurance schemeif some one joins at the age of 18 and pays premium till the age of 55 he
has approximately paid rs. 12500 .. lekin jaise LIC mein maturity of the scheme par amount mil jaata
haiyaha par kuch nai milega??
Reply
195.
HARIHAR SAHOO says:

May 2, 2015 at 12:53 AM
IN Atal Pension Yojna (APY)
IF THE SUBSCRIBER DIE EXCATLY 60YRS THEN WHO WILL GET THE BENIFITS & HOW
MUCH
Reply
Kirti says:
May 2, 2015 at 3:05 AM
In case of death of subscriber pension would be available to the spouse and on the death of both
of them (subscriber and spouse),the pension corpus would be returned to his nominee.
Amount of money returned to nominees depend on how much contribution one made that is
when the person joined the scheme and how many years he contributed.
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For example if person joined Atal Pension Yojna at 35 years, he will contribute till age of 60
years ie 25 years.
Maximum amount of pension one can get is Rs 5000 per month
Reply
ramnaresh kushwaha says:
May 6, 2015 at 8:25 PM
dear sir how many years i have receive pension
Reply
196.
Bhavnesh says:
May 1, 2015 at 2:56 PM
Dear sir
how many years i have receive pension ?
at the time of 60 yers how many amount i have receive?
Reply
Kirti says:
May 1, 2015 at 8:29 PM
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to
contribute till one attains 60 years of age.
After attaining 60 years one starts getting pension. Till what age he or his spouse will recieve
pension is not clear.
Details are awaited and would be known when the scheme is launched.
Reply
197.
Bhavnesh says:
May 1, 2015 at 2:22 PM
Dear sir
i do not under stand abvove chart of Atal Pension Yojna.
my age 30 years how many money Rs Monthly investment for this yojna so get 1000 & 5000 Pension
per month. give me all details about it.
Reply
Kirti says:
May 1, 2015 at 8:26 PM
if he joins at the age of 18 years To get a fixed monthly pension of Rs. 1,000 per month, the
subscriber has to contribute on monthly basis Rs. 42 for Rs 5000 pension he has to contribute Rs.
17/05/15 11:12 AM
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210.
if he joins at the age of 40 years To get a fixed monthly pension of Rs. 1,000 per month, the
subscriber has to contribute on monthly basis Rs. 291 and for Rs 5000 pension he has to
contribute Rs. 1,454
Reply
198.
raju says:
May 1, 2015 at 12:15 PM
are bhai ye to adhi yojana bich me marne ke baad ka to kuch hai hi nahi.
Reply
Kirti says:
May 1, 2015 at 8:31 PM
Sir aap kis yojna ki baat kar rahen hain? Atal Pension yojna mein to spouse ko pension milne ka
aur nominees ko lump sump milne ka provision hai.
Reply
199.
Abdus Salam Vai says:

April 30, 2015 at 8:43 PM
thanks our new pm modi founder of make in India for opening this suitable and essential scheme.
Reply
200.
nageswarao says:
April 29, 2015 at 5:24 PM
swavalamban yojana excellent scheme apy cannot replace how can reduce poverty in india the only
swavalamban reduce poverty so swavalamban is the best
Reply
201.
annu says:
April 27, 2015 at 5:26 PM
im umemployed person. im unable to pay a such big amount of rs.5, 6, 8lakhs. would it be low.
Reply
202.
Sunita says:
April 25, 2015 at 2:25 PM
My son is of 30 years. His Yearly income is 5,00,000/- can he join the ATAL PENSION YOJNA (APY)
by contributing Rs. 577/- per month. Who will get the Corpus of Rs. 8,50,000/- and when. What
happens id unfortunally he is no more before 60 years of age.
Reply
17/05/15 11:12 AM
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Kirti says:
April 25, 2015 at 4:16 PM
Sir we dont have details. The scheme will be launched on June 1 2015 and focus is on the
unorganised sector.
Reply
203.
sanjay kumar says:

April 25, 2015 at 12:15 PM
can i avail all above ( 3 yojna ) at same time.?
Reply
Kirti says:
April 25, 2015 at 4:59 PM
If you satisfy conditions yes. Let more details about the scheme come out.
Reply
204.
Harsha says:
April 24, 2015 at 5:06 PM
Please avail this to me
Reply
Kirti says:
April 24, 2015 at 8:03 PM
Sorry Sir we cant do that.
Reply
205.
Kirti says:
April 22, 2015 at 5:34 AM
Sunil I dont think Dilip Sir can enroll for NPS.
Non Government employee, between age of 18 to 60 years, can invest in National Pension scheme. He
can join as as an individual investor or if his company(Corporate house) joins NPS.
Dilip Sir are you looking for a regular pension?
Reply
206.
sunil says:
April 20, 2015 at 7:23 PM
I found that the swavlamban yojna was much better than APY. Because here in this yojna people once
choose rs. 1000 pension can not upgrade to 2000 or 3000. Second.. Age limit 18 to 40 is very less
17/05/15 11:12 AM
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because normally people start thier earning by 23rd or 24 year.. Nd people above 30 only starts thinking
abt pension. Third : in this scheme everybody is bound to pay premium as privte schemes. And the
main thing is nobody knows much on APY. There is no updation on scheme more than budget
annoucement and pfrda still showing swavlamban on thier site http://www.pfrda.org.in
Kirti: i am very much impressed on how u demonstrate people abt APY and trying to reply.. Keep going
on. Regards
Reply
Kirti says:
April 20, 2015 at 9:20 PM
Thanks Sunil. We appreciate your comments. Keep them coming
Reply
207.
Dilip Kumar Biswas says:

April 11, 2015 at 2:46 PM
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure,
such as contribution amount, pension amount, etc.
Reply
sunil says:
April 21, 2015 at 4:16 PM
you can enroll yourself with NPS. it is the same as APY Except you will not get any contribution
from govt. of india
Reply
208.
Dilip Kumar Biswas says:

April 11, 2015 at 2:44 PM
I AM NOW 66 YRS. OLD can I enroll my self in APY? If the answer is yes then what is the procedure,
such contribution amount, pension amount, etc.
Reply
Kirti says:
April 11, 2015 at 8:18 PM
APY scheme will be launched on June 1 2015 and focus is on the unorganised sector. Under the
Atal Pension Yojna Scheme (APY), the subscribers ,under the age of 40, would receive the fixed
monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years, depending on their contributions.
As you are already 65 years you cannot subscribe to APY.
Reply
209.
Sharma says:
April 9, 2015 at 7:55 PM
17/05/15 11:12 AM
68 of 75
Can anyone take these scheme, or is there conditions based on financial credits also..
Reply
Kirti says:
April 22, 2015 at 5:37 AM
No clarity on it till now.
Atal Pension Yojna focus is on the unorganised sector
But for whom Pradhan Mantri Jeevan Jyoti Bima Yojana and Pradhan Mantri Suraksha Bima
Yojana there dont seem to be any limitations. But will wait for more details .
Reply
210.
Nilesh Kotian says:

April 3, 2015 at 8:43 AM
Hi can anyone tell me in Pradhan Mantri Jeevan Jyoti Bima Yojana till which age life cover will be
Active? if premium is paid regularly
Reply
Kirti says:
April 4, 2015 at 5:15 AM
People who join the scheme before completing 50 years can, however, continue to have the risk
of life cover up to the age of 55 years subject to payment of premium.
Risk cover is till 55 years.
Reply
211.
SANKAR RAY says:

April 2, 2015 at 10:45 AM
All are very good scheme, APY scheme will be open on 1st June. Where should i go for open all three
schemes?
Reply
212.
manoj singh gaur says:

March 29, 2015 at 1:13 PM
IN YOJNAO SE BHI GOOD YOJNAE HAI PAR PRADHANMANTRI JI KO KAISE BATAYA JAE
YADI VO VASTAV ME CHAHE TO KAMAL HO SAKTA HAI
Reply
213.
suresh kumar says:

March 23, 2015 at 1:13 PM
This is good opportunity for people.people enjoy the scheme PJJY,PSBY and APY It help people for
good economical background those family nobodys earned.
17/05/15 11:12 AM
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Reply
214.
ankit says:
March 20, 2015 at 7:24 PM
Can i take policy in all the pension scheme plz brief
Reply
Kirti says:
March 20, 2015 at 9:25 PM
The scheme will be launched on June 1 2015 and focus is on the unorganised sector. Details are
not available yet.
Reply
215.
Ramesh Jadhav says:

March 17, 2015 at 11:52 PM
Pradhanmantri ,all this Yojana is VERY GOOD. Insurance is one very imp issence thing in every budys
Life !
Reply
216.
Sunil kumar says:

March 17, 2015 at 10:16 AM
IN APY IS NOT MENTION THAT HOW MANY YEAR WE HAVE TO PAY INSTOLMENT AND
DEATH OF SUBCRIBER BEFORE THE AGE OF 60 THAN NOMINEE WILL RETURN BACK
AMOUNT OR NOT. PLEASE TELL ME.
Reply
Kirti says:
March 17, 2015 at 10:06 PM
Sunil,
The minimum age of joining APY is 18 years and maximum age is 40 years. One needs to
contribute till one attains 60 years of age.
The Table of contribution levels, fixed 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.
How to read the table.
30 30 116 231 347 462 577
If you join at 30 you have to put money till 30. For monthly pension of Rs 1000 you need to
contribute Rs 116 and would get corpus of 1.7 lakh, Rs 231 for monthly pension of 2000 Rs and
corpus of 3.4 lakh.
Hope it helps
17/05/15 11:12 AM
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Reply
217.
sanyam jain says:

March 15, 2015 at 3:25 PM
What is Indicative Return of Corpus to the nominee of the subscribers under Atal Pension yojna? If
subscriber get death during the period before 60 or after 60 then this pension shall be applicable for
nominee or not? and in case of death before 60 who shall pay remaining installments upto the age of 60
years?
Please advice.
Reply
Kirti says:
March 16, 2015 at 5:18 AM
Hello Sanyam
Your blog rocks. I am a regular reader of your blog.
Coming to your question. The table distinguishes between pension to subscriber and his spouse
and his nominee. So its not clear that after subscriber death would his spouse get the pension of
not. But for nominees it is clear.
In case of the subscribers death after attaining 60 years of age, the whole corpus generating the
pension income to the subscriber would be returned back to the nominee of the subscriber.
In case of untimely death of the subscriber before 60 years of age, the balance would be returned
back to the nominee of the subscriber.
Reply
218.
ankur tyagi says:

March 13, 2015 at 12:16 AM
really nice scheme
Reply
219.
Swapnil Prakash Jain says:

March 12, 2015 at 5:07 PM
1st, thanks to Shriman Narendra Modiji.
This is a very helpful scheme for every Indian and especially to Under Bellow Poverty Line
community..
Thank you very much indeed.
Reply
220.
ramu says:
March 12, 2015 at 12:15 PM
hi
at what age we getting corpus amount
Reply
17/05/15 11:12 AM
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Anand Patil says:

May 9, 2015 at 2:51 PM
THE CORPUS AMOUNT WILL NOT GET TO YOU. IT WILL GET BY YOUR NOMINEES
AFTER YOU AND YOUR SPOUSE DEATH.
Reply
221.
Amit Kumar says:

March 11, 2015 at 2:29 PM
Thank Prime Minister your are really our care taker.
Reply
222.
Uttam Singh Parihar says:

March 10, 2015 at 9:07 PM
Thank Prime Minister your are really our care taker lot of thanks.
Reply
223.
sanjay kumar says:

March 9, 2015 at 1:20 PM
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Reply
224.
Garje Hanumant Jaganath says:

March 9, 2015 at 11:50 AM
Thank Prime Minister your are really our care taker lot of thanks for these three gift of our nation.
Reply
225.
prakash chand lakhera says:

March 9, 2015 at 11:36 AM

Reply
ABHAY KUMAR says:
May 11, 2015 at 1:39 AM
YE TO WAHI HUA O BALANCE ME KHATA KHOLE AUR 5000 APKE KHATE MA AA

JAYEGA
JABKI BANK ME KHATA KHOLNE KE LIYE MANAGER 50 BAHANE BANATE HAI
17/05/15 11:12 AM
72 of 75
Reply
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