Sunteți pe pagina 1din 108

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Search Home MudraLoan AtalPensionYojana UjjwalaYojana HousingForAll|AwasYojana StartUpIndia KaushalVikasYojanaPMKVY
Search
Home MudraLoan AtalPensionYojana UjjwalaYojana HousingForAll|AwasYojana StartUpIndia KaushalVikasYojanaPMKVY
JeevanJyotiBimaYojana SurakshaBimaYojana SukanyaYojana JanAushadhiScheme Blog RuPayCard PPFAccount EPFRules
AadhaarCard BenamiPropertyBill

PradhanMantriAtalPensionYojana(APY)

PradhanMantriAtalPensionYojana(APY)

Namedaftertheex­primeministerofIndia,AtalBihariVajpayee,AtalPensionYojanaalsoknowasAPY SchemewaslaunchedincontinuationtotheJanDhanYojanaSchemetobringthoseemployedinruraland unorganizedsectorundertheambitofPensionSchemes. Theideaoftheschemeistoprovideadefinite pensiontoallIndians.

However,inordertogetpensionduringyouroldage,youneedtocontributeaccordingly. Themoreyoucan contributethemorepensionsyouwouldgetduringoldage. TheschemeisbackedbyMinistryofFinance, GovernmentofIndia. Theschemewouldmostlytouchthoseworkingunderunorganizedsector.

PleasefollowthislinktoownyourhouseinPMAwasYojana

Print Free With YourFreeForms Today Go to yourfreeforms.com EligibilityforAtalPensionYojana

EligibilityforAtalPensionYojana

AnyIndiannationalwithintheagegroupof18to40yearsiseligibletocontributeunderAPY. However,any memberofastatutorysocialsecurityschemeisnoteligibletogetthegovernmentscontributionforthis

pensionscheme.ButhewillgetallnormalbenefitsofAPY.Ifyourageis40Yearsthenyouareeligiblebutif

youare40yearsand1daythenyouarenoteligible.

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

 
   
 
   
 
 
 

GovernmentContributioninAtalPensionYojana

 
 

AsallthepreviousschemeslaunchedbyNarendraModi,thisschemetohasanearlybirdincentiveattached

withit.Ifyouwouldenrollinitonorbefore31stMarch2016thenyouwouldbegettingagovernment

contribution. Governmentwillcontributemaximumofrs1000peryearforfirst5years. Youryearly

contributionshouldbemorethenrs2000togetthisamount.Ifyouryearlycontribution(Xrs)islessthenrs

2000thenyouwillgetRsX/2asgovernmentcontribution.

 
 

Thesesubscriberswillnotgetgovernmentscontibution

 
 
 

Ifyouareanincometaxpayer

 

Ifyouareanystateorgovernmentemployee

ifyouworkinaprivatecompanyandhaveEPForEPSaccount.

 
 

HowtoApply|Processtogetenrolled.

 
 

InordertoapplyforAPYanIndiannationalneedstohaveaworkingbankaccount. Dateforsubmissionof

st

formshasstartedfrom01 June2015.Thereisnolastdateforenrollment.Youhavetofilltheforminany

bankandyouaredone.Pleasemakesurethisbankaccounthavesufficientmoneyeachmonthbefore

premiumisdeducted.

 
 

PremiumpayableunderAtalPensionYojana

 
 

Thereisalsoapolicyunderthescheme,whereinifthepensionaccountholderdies,thecontributionswould gotothefamilyorthenomineeoftheaccount. Thepremiumstothepensionaccountwouldbepaidthrough yourbankaccountanditwouldbeauto­debitedfromthebankaccount.

 

PremiumofAPYcanbepaidthrough3options

 
 
 

Monthly

Quarterly

HalfYearly

 

PremiumofAtalpensionYojanaforRs1000Pension

 
 

Sn

Age

VestingPeriod Monthly

Quarterly

HalfYearly

1

18

42

42

125

248

 

2

19

41

46

137

271

 

3

20

40

50

149

295

4

21

39

54

161

319

 

5

22

38

59

176

348

 

6

23

37

64

191

378

7

24

36

70

209

413

 

8

25

35

76

226

449

 

9

26

34

82

244

484

 

10

27

33

90

268

531

11

28

32

97

289

572

 

12

29

31

106

316

626

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

13 30

30

116

346

685

 

14 31

29

126

376

744

 

15 32

28

138

411

814

 

16 33

27

151

450

891

 

17 34

26

165

492

974

18 35

25

181

539

1068

 

19 36

24

198

590

1169

 

20 37

23

218

650

1287

21 38

22

240

715

1416

 

22 39

21

264

787

1558

 

23 40

20

291

876

1717

PremiumofAtalpensionYojanafor Rs2000Pension

 
 

Sn

Age

VestingPeriod Monthly

Quarterly

HalfYearly

1

18

42

84

250

496

 

2

19

41

92

274

543

 

3

20

40

100

298

590

 

4

21

39

108

322

637

5

22

38

117

349

690

 

6

23

37

127

378

749

 

7

24

36

139

414

820

8

25

35

151

450

891

 

9

26

34

164

489

968

 

10

27

33

178

530

1050

 

11

28

32

194

578

1145

12

29

31

212

632

1251

 

13

30

30

231

688

1363

 

14

31

29

252

751

1487

15

32

28

276

823

1629

 

16

33

27

302

900

1782

 

17

34

26

330

983

1948

 

18

35

25

362

1079

2136

19

36

24

396

1180

2337

 

20

37

23

436

1299

2573

 

21

38

22

480

1430

2833

22

39

21

528

1574

3116

 

23

40

20

582

1734

3435

 

PremiumforAtalpensionYojanaforpensionofRs3000

 
 

Sn

Age

VestingPeriod Monthly

Quarterly

Halfyearly

 

1

18

42

126

376

744

2

19

41

138

411

814

3

20

40

150

447

885

 

4

21

39

162

483

956

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

5 22

6 23

7 24

8 25

9 26

10 27

11 28

12 29

13 30

14 31

15 32

16 33

17 34

18 35

19 36

20 37

21 38

22 39

23 40

38

177

527

1045

37

192

572

1133

36

208

620

1228

35

226

674

1334

34

246

733

1452

33

268

799

1582

32

292

870

1723

31

318

948

1877

30

347

1034

2048

29

379

1129

2237

28

414

1234

2443

27

453

1350

2673

26

495

1475

2921

25

543

1618

3205

24

594

1770

3506

23

654

1949

3860

22

720

2146

4249

21

792

2360

4674

20

873

2602

5152

PremiumforAtalpensionYojanaforpensionofRs4000

Sn

Age

VestingPeriod

Monthly

Quarterly

HalfYearly

1

18

42

168

501

991

2

19

41

183

545

1080

3

20

40

198

590

1169

4

21

39

215

641

1269

5

22

38

234

697

1381

6

23

37

254

757

1499

7

24

36

277

826

1635

8

25

35

301

897

1776

9

26

34

327

975

1930

10

27

33

356

1061

2101

11

28

32

388

1156

2290

12

29

31

423

1261

2496

13

30

30

462

1377

2727

14

31

29

504

1502

2974

15

32

28

551

1642

3252

16

33

27

602

1794

3553

17

34

26

659

1964

3889

18

35

25

722

2152

4261

19

36

24

792

2360

4674

20

37

23

870

2593

5134

TranslatethisPageInHindi

SelectLanguage

Poweredby

TranslatethisPageInHindi SelectLanguage Poweredby Translate

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

21 38

22

957

2852

5648

22 39

21

1054

3141

6220

23 40

20

1164

3469

6869

PremiumforAtalpensionYojanaforpensionofRs5000

Sn

Age

VestingPeriod Monthly

Quarterly

HalfYearly

1

18

42

210

262

1239

2

19

41

228

697

1346

3

20

40

248

739

1464

4

21

39

269

802

1588

5

22

38

292

870

1723

6

23

37

318

948

1877

7

24

36

346

1031

2042

8

25

35

376

1121

2219

9

26

34

409

1219

2414

10

27

33

446

1329

2632

11

28

32

485

1445

2862

12

29

31

529

1577

3122

13

30

30

577

1720

3405

14

31

29

630

1878

3718

15

32

28

689

2053

4066

16

33

27

752

2241

4438

17

34

26

824

2456

4863

18

35

25

902

2688

5323

19

36

24

990

2950

5843

20

37

23

1087

3239

6415

21

38

22

1196

3564

7058

22

39

21

1318

3928

7778

23

40

20

1454

4333

8581

CanGovernmentEmployeesopenAtalPensionYojanaAccount

YesGovernmentemployeescanopenitbutwillnotbeeligibleforthegovernmentcontributiononthis

account

ImportantAtalPensionYojanaFeatures

IfasubscriberJoinsAPYandoptsfora5000pensionplanandpayshispremiumasmentionedinthechart

thenhewillstartgettingrs5000pensiontillheisaliveafterattaining60yearsofage.Aftersubscriberisdead

thenhis/herspousewillgetthepensionamountthatsubscriberwasgetting. Afterbotharegonethen

Nomineewillgetthecorpusamountofrs8.5lakhs.

AtalPensionYojanaForm

YoucanuseanddownloadAPYFormusingAtalPensionYojanaEnglishApplicationformLink.Nominee

detailsareveryimportantinthisscheme.Spouse isconsideredtobethedefaultnomineesopleasemake

sureyoumakenomineeotherthenyouspouse.

PleaseusethislinktodownloadAtalPensionYojanaForminHindi

CanasubscriberclosehisAPYaccount

InitiallyitwasnotpossiblebutaftergettingreviewsfrompeoplegovernmenthaveallowedclosingofAPY

accountinbetween.Youwillhavetogiveaclosingapplicationinthebanktogetyouraccountclosed.Banks

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

willrefundallyourinvestmentwithinterest.Youwillhavetopayasmallpenaltytoavailthisfacility.

TaxbenefitsinAtalpensionYojana.

Sothegreatnewsisin,nowyoucanavailthesametaxbenefitsinatalpensionyojanaasyoudoinNPSie

nowyoucanclaimthepremiumpaidinthisschemeundersection80CCD.

AtalPensionYojana(APY)VSNewPensionYojana(NPS)

SL.

NO.

ATALPENSIONYOJANA

NATIONALPENSIONSCHEME

Themaximumagelimitthatonecanjoinisuptotheageof Hereonecanjoinuptotheageof
1

40years.

2 NRIscannotjointhisplan.

Here,thepensionispaidmonthlywhichrangesfromRs.
3

1,000toRs.5,000.

4 Premiumamountcanbeclaimedunder80CCD

Herewithdrawalcannotbemadebeforematurity,unless
5

thereisaspecialcase.

6 Here,uniquePRANnumberisnotprovided.

SomeInterestingAPYfacts

60years.

NRIscanalsojointhisplan.

Here,halfofthepensionamountis

paidafterthebeneficiaryretiresand

thenhe/shereceivestherest

amountinmonthlypayments.

Thereistaxbenefitandbeneficiary canavailtaxbenefitsofuptoRs.

50lakh.

Herethebeneficiarycanwithdraw

theamountbeforematurity.

AuniquePRANnumberisprovided

togetaccessibilityalloverthe

country.

Youshouldhavesavingsbankaccountifyouwanttooptforthisscheme.

SwavalambanYojanawouldautomaticallyconvertintoAPY

AadharCardisnotmandatorywhileapplyingforAPYbutwouldberequiredatthetimeofpayment.

Youcanoptforapensionplanbutswitchingtheplanafteroptingitpossibleonlyonceinayear.But

theProcedureofthesameisnotknown.

ThePensionthatyouwillgetaftercompletionoftermwouldbetaxable.

AlsoRead

Postedbypmjandhanyoganaat8:12am

857Responsesto“PradhanMantriAtalPensionYojana(APY)”

1. VENUGOPALsays:

July7,2015at6:17pm

IamvenugopalfromballariKarnataka.Iwanttoknowonemorething……nowBJPgovernmentisthere,butinfuture

noguarantee….whenthepensionclaiming,othergovernmentcameandexist?isithelpfullornot…

pmjandhanyoganasays:

July8,2015at4:34am

Reply

newgovernmentusuallydonottouchthepopularscheme.Theymaychangethenamebutdonotstop

them.

AvijitGhoshsays:

January17,2016at1:24pm

Reply

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Whatdocumentswouldwegetasproofofourinvestments,apartfromregularbankupdate?

pmjandhanyoganasays:

January17,2016at5:26pm

youwillgetaPRANCard

InaBhattacharyasays:

January22,2016at11:24am

canimakemyson(whoisaminor)mynomineealthoughhedoesnothaveanaadharcard?

LaldeoNayaksays:

February12,2016at5:31am

FromwherewecangetaPRANcard,kindlyconfirm,ihavealreadygetaPRANNo.

pmjandhanyoganasays:

February14,2016at5:51pm

NSDLisresponsibleforprovidingPRAN.

sunilzsays:

February23,2016at5:31pm

Notehowtodownloadthestatement.

andcanweshowthesameforourtaxdeclaration.

VISHNURAUTsays:

March25,2016at3:32pm

YOUSAIDTHATNEWGOVERNMENTDONOTTOUCHTHESCHEMEBUTYOUFORCEDTO

OPTOUTFROMNPSFORAPYUNDERAGEFORTYWHATABOUTTHIS

DattatrayaVasantBharatisays:

April5,2016at12:42pm

thebanksarenotacceptingmyrequestforcancellationofmyAPYplan.pleasecanyouhelp.ihavemy

accountinStateBankOfIndia

Reply

2. DUSHYANTKUMARPATELsays:

July8,2015at5:48am

IamstateGovtemp.

(1)Whatisthedifferenceincorpusandpensionamountbetweengovtempandnongovtperson.Pleaseclarify.

(2)Iamnotgoingtogetgovtcontribution.Whatdoesitmeans?

(3)Isthereanydifferenceinpensionandcorpusforgovtemp.andothers?

pmjandhanyoganasays:

July17,2015at8:14am

Reply

1)Pensionamountwouldbesame,Corpusamountmaydifferbutwillbeverynominaldifference.

2)Readthegovernmentcontributionsectionofthisarticle.

3)sameasquestion1

3. GIRISHAVsays:

July8,2015at5:57am

Reply

HISIR,

MYNAMEISGIRISHA.V,LASTMONTHIJOINEDAPYinCanaraBank,JUNE1AMOUNTWASDEDUCTEDBUT

THISMONTHSTILLNOWAMOUNTISNOTDEDUCTEDY

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

pmjandhanyoganasays:

July17,2015at4:46am

Reply

youwillhavetocontactCanarabankforthesame.

4. SuvarnaMhaskesays:

July8,2015at5:57am

Reply

CheckedwithAxisbanktoopenAtalPensionyojanabutthereplyfromthemistheyhavenotreceivedGRyet.Please

guide

pmjandhanyoganasays:

July8,2015at2:35pm

Reply

youcantalktocustomercareofaxisbankandgetmoreclarificationonthis.

5. GIRISHAVsays:

July8,2015at6:00am

Reply

LASTMONTHJUNE1STAMTWASDEDUCTEDBUTTHISMONTHSTILLNOWNOTDEDUCTED

pmjandhanyoganasays:

July8,2015at2:34pm

Reply

yourbankcangivemoreinformationonthis.

6. lakshmisays:

July8,2015at6:11am

Reply

Kindlyclarifyifi’meligibleifipayincometaxandcoveredunderstatutoryregulations,ifyeswhatarethecriteriatojoin

thisscheme

pmjandhanyoganasays:

July8,2015at2:33pm

Reply

incometaxpayerscanjoinatalpensionyojana.Ifyourageliesinbetween18­40thenyouareeligible.

7. tusharmittalsays:

July8,2015at7:33am

Reply

Sirihaveheardthatthetaxpayerscannotgetjoinwiththisapy

Iwantstoconfirmthatisthistrue

Andimastudentandihavemypancardsoshallijointmyaccountwithapy

Reply

pmjandhanyoganasays:

July8,2015at2:32pm

taxpayerscanjoinatalpensionyojana.Youcanapplyforapy

Reply

8. tusharmittalsays:

July8,2015at7:38am

Sirinnearfutureifibecomeataxpayerthencanigetuseoffecilityofapy

Reply

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

pmjandhanyoganasays:

July8,2015at2:31pm

yesyouwillgettheapybenefitsevenifyoubecomeincometaxpayerinfuture

9. gyanprakashjoshisays:

July8,2015at9:44am

respectedsir,

mywifeapplyinAPYandnomineeishusband.

whatprocesschangenominee

pmjandhanyoganasays:

July8,2015at2:30pm

Reply

Reply

walktoyourbankbranchtochangethenameofnomineeinAtalpensionYojana

10. piyushsays:

July8,2015at9:47am

Reply

Suppose,Ioptedfor5000pensionandIdieafter5yearsofinstallment.Whatwillhappen?Willmywifeget500

pensionpermonthstraightaway?Also8.5lacwillbegiventonomineeafterwifedeath?

pmjandhanyoganasays:

July8,2015at2:29pm

Reply

inthiscaseallyouramountwithinterestwouldbegiventoyourwifeifaliveelseyournominee.

LaldeoNayaksays:

February12,2016at4:47am

Reply

Itmeansifidiewithoutcompleting60yearsthenmywifewillnotgetpensionandnomineewill

notgetRs.8.5lacsifwifeisnotalive.Kindlymakeitclearassomebankissayingthatitdoes

notmatterwheteryoualiveordieduringthese60yearsyourspouseandnomineewillget

pension/amountdependsonsheemeyouchoose.

pmjandhanyoganasays:

February14,2016at5:53pm

noyourdependentswillonlygetthecorpousamount(calculatedatthetimeofyourdeath)

11. Rajeshrajolisays:

July8,2015at9:48am

Hi

MymomDOB28|08|1962

CANSHEAPLY.ATALBIMAPENSIONYAJONA

HERAGEIS52tenmonths

pmjandhanyoganasays:

July8,2015at2:28pm

noshehascrossedtheagelimittoenroll.

12. SUNILBORLEsays:

July8,2015at10:26am

Reply

Reply

IFIWRITEMYWIFENAMEINFORMTHAN,ISTHECOMPULSORYTOWRITETHENAMEOFNOMINEE?

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

pmjandhanyoganasays:

July8,2015at2:28pm

NomineesnameismandatoryinAtalpensionYojana

SHASHIKANTsays:

April26,2016at6:10am

IfIamnotmarriedthenwhowillbemyspouse?

13. kirtisays:

July8,2015at10:28am

Reply

Reply

ihavesubmittedbyatalpensionformon2ndjune2015tosarastwatbankkamothetheyhavestillnotopenmy

accountstatingthattheschemeisstillnotinforce.pleasehelp.

pmjandhanyoganasays:

July8,2015at2:27pm

Reply

sincethisisanewschemebanksmaytakesometimetodebittheamount.

14. Chandersays:

July8,2015at11:37am

Reply

DearSir,Iamin30%incometaxbracketandisover40yrsofage.Mywifeishousewifeand38yrsofage.CanIenroll

herunderthisscheme?ShehasvalidPANandbankaccountbutsheisnotworking/earning.

pmjandhanyoganasays:

July8,2015at2:25pm

yesbothofyouareeligibleandcanapplyAtalPensionYojana

15. Madhusays:

July8,2015at12:27pm

Reply

Reply

Sir,IamMadhu,IfthesubscriberofAPYdiesafter60yearsofageandifthesubscribernomineeishischild.Uptohow

manyyears(afterthedeathofthesubscriber)thechildgetthepensioneverymonth.

pmjandhanyoganasays:

July8,2015at2:24pm

Reply

Ifsubscriberdiesafter60yearsthenhis/herspousewillgetthepensionifalive.Nomineegetsthecorpus

amountafterbothsubscriberandhis/herspousearedead.

16. viveksays:

July8,2015at4:33pm

Reply

Hi,

Iam24year,salariedpersonbutmyincometaxiszeroinlasttwoyears.IhaveanLICpolicy(newjeevanAnand)and

Rs.12pradhanmantriinsurancepolicy.

IwanttoknowwillgovernmentcontributeasIdon’tpayincometaxandnongovernmentemployee?

pmjandhanyoganasays:

July9,2015at3:04am

Reply

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

doyouhaveanepfaccount?ifyesthengovernmentwontcontribute.Ifnothenyesyouwillgetgovernment

benefits.

Reply

17. Chrissays:

July8,2015at6:29pm

WhenIcontactedUnionBankofIndia,KottayambranchonJune29th,theyinformedthattheydidn’treceivedany

notificationsregardingAtalPensionYojana.

18. BODAPATISRINIVASARAOsays:

July9,2015at2:14am

Reply

Mydateofbirth26­08­1975,eligibleforatalpensionyojanascheme,depositedamountinanybank

pmjandhanyoganasays:

July9,2015at5:47pm

Reply

yesyouareeligible.

Reply

 

19. viveksays:

July9,2015at4:21am

Hotcancelandgetthemoneybacktomyaccount.Ihavepaid2instalmentsandwanttocancelnow.Pleasehelp…….

Reply

20. sashisays:

 

July9,2015at5:02am

Sir,

CanweopenseprateaccountsforHusbandandWife?After60willbothbeeligibletorecievepension.

Reply

pmjandhanyoganasays:

July9,2015at5:46pm

yesyoucandothisandbothwillgetpensions.

21. Nileshsays:

July9,2015at5:47am

Reply

Meriage29yearhai,5000pensionkeliye529/­permonthpaykarnah,mujhepatakarnahaikiyesameamount529/­

mujhe60yeartakpaykarnahayayeagekehisabsepermonthchangehotirahegi

like­30yrto577/­

31yrto630/­everyyearthisamountchangeorsame

ifIdieattheageof61or62thenwhatwillhappenschemewillcontiutomywifeornot

&ifwifealsoexpirethen.

ifIdieattheageof51or55thenwhatwillhappenschemewillcontiutomywifeornot

&ifwifealsoexpirethen.

pmjandhanyoganasays:

July9,2015at5:44pm

Reply

Yourpremiumamountwouldremainsame.Incaseyoudieafter60yearsthenyourwifeifalivewillgetyour

shareofpension.Afteryouwifeexpiresyournomineewillgetrs8.5lakhs.Ifyoudiebefore60yearsthen

yournomineewillgettheamountyouhavedepositedwithinterest.

Reply

Sumitsays:

January22,2016at7:32pm

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Iamalso29,thereisapremiumofRs.529/pmfor5000pension.

ifIdieattheageof50thenwhatwillhappenschemewillcontinuetomywifeornot

&issheliabletopaypremiumfornext10years?

ifbothhusbandandwifedieattheageof70or75thenwhatwillhappenschemewillcontinue

tonominee(children)iftheygetthe8.5lakhamount?

IthinkthereshouldbeapropertrainingforBankemployeesinteractingwithus.Theyconfused usalotanddon’tknowtheexactschemeproperly.Theytoldmethatifigotthepensionand

diedattheageof61(bothhusbandandwife)Children(nominee)getnothing,Itsallbullshitifits

right.Plzanswer.Ionlycontinuewithitifthereisaprovisionofnominee8.5lakhamountafteror

beforedeathofparents.

22. Madhusays:

July9,2015at7:03am

APYplanseemsdoesnothaveanyinsurancecoverageincaseofdeath.

Reply

pmjandhanyoganasays:

July9,2015at5:42pm

true

Reply

23. ashokkumarsays:

July9,2015at7:06am

Ifyouaresayingfortdsdeductiontheyaregivingyouinterest@8.5%andinAPYpersonisgetting8%sothismeans

thisisalreadytdsdeductedamount.

SecondlythepersonwhoarenotfallingunderTDScriteria,theyaremoreinterestedinthisscheme.

Thereshouldbeonechangeinthisschemethatifanypersondiebefore60yearsthanthisaccountshouldremain

activeandthenomineeshouldgetpensionimmediatelyafterdeathofthesubscriber.Inthiscaseyoucansetthehalf

amountofPension.SupposeanysubscriberapplyforRs5000/­pensionschemeanddiesbeforetheageofsixtyhis

wifeornomineeshouldgetatleastpensionofRs2500/­permonthimmediatelyafterhisdeath.

24. PoonamRoysays:

July9,2015at7:51am

Reply

Iamahousewife,IhavenoAdharcardbutihavepancard,votericardandpassport.caniapplyforPradhanMantri

PensionYojana,CaniapplyforthisYojana.

pmjandhanyoganasays:

July9,2015at5:40pm

Reply

ifyourageislessthen41yearsthenyoucanapplyforthisscheme.

25. SachinKotharisays:

July9,2015at7:56am

Reply

Ihavesubmitted2applicationsmyselfandmyWife,mineapplicationwasprocessedbutherapplicationforatal

pensionyojanaisstillpendingfromlastonemonth.Initialtheyprocessedmyapplicationaftercomplainttoaxisbank

Thebankdoesnotwanttopromotethesescheme,someactionhastobetaken.TheapplicationwassubmittedinCivil

LinesBranch,Jaipur.

SachinKothari

Jaipur

Reply

pmjandhanyoganasays:

July9,2015at5:39pm

youwillhavetocallthecustomercareofthebankandlockacomplaintagainstit.

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Reply

26. Virendrabhardwajsays:

July9,2015at9:02am

Siriam33iwanttoknowthatifiwantLumsumamountaftermyageof60 thisispossibleornot???

Reply

pmjandhanyoganasays:

July9,2015at5:38pm

thisisnotpossibleaspercurrentdirections.

Reply

27. Bivashsays:

July9,2015at9:55am

Sir Tillnowmyadharcardnotavailable.ButVoterID&PANcardpresent. MyBank(BOI)toldmethatIcan’tapplyingthe“atalpension”schemewithoutadhar.

IcrossedmyagelimitinNov­15.PleasesuggesthowIapplytheseschemes.

pmjandhanyoganasays:

July9,2015at5:37pm

Reply

whatisyourage?

28. Happysays:

July9,2015at10:11am

Iamincometaxpayeecaniapplyforatalpensionscheme

Reply

Reply

pmjandhanyoganasays:

July9,2015at5:37pm

ifyourageislessthen41yearsthenyesyoucanapply.

Reply

29. RAMANDEPKAURsays:

July9,2015at10:22am

sir,

meriage29salkihai,5000pensionkeliyeplzmjhebtaokemujhemonthlykitnepaisedenehoge,orkitnatime

orsirmainhandicaftbhuplzgivemeans

pmjandhanyoganasays:

July9,2015at5:36pm

Reply

aapkipremiumhogirs529permonth.youwillhavetogivethispremiumfornext31years.

Reply

July9,2015at11:02am

sir,

Iam34yearsold,Ifioptfor5000/­permonthpensionschemeattheageof34,thenIhavetopaymonthlyinstallment

ofRs.824/­.MyquestionisthatmonthlyinstallmentofRs.824/­willbechangeyearwiseoritwillremainsamei.e.Rs.

824/­becauseihaveoptthisschemeattheageof34.

MysecondquestionisitpossiblethathusbandandwifebothcanavailthisPradhanMantriAtalPensionyojanaand

cannomineeeachother?

30. HemaRawatsays:

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

pmjandhanyoganasays:

July9,2015at5:35pm

Reply

yourmonthlypensionpremiumwouldremainsametillthroughout.AnswertoyoursecondquestionisYes

31. HemaRawatsays:

July9,2015at11:04am

WhatisGovt.contributiononthisscheme?

pmjandhanyoganasays:

July9,2015at5:33pm

pleasereadthearticleforthisinformation.

32. Priyasays:

July9,2015at11:32am

Reply

Reply

Reply

IsAdharcardmandatoryforAtalPensionYojana.IamyettogettheAdharcard,howeverwouldliketostartthe

pensionschemeforselfandspouse.Pleaseadvise.

pmjandhanyoganasays:

July9,2015at5:32pm

Reply

AccordingtosupremecourtsorderAadharcardcannotbemandatoryforavailinganygovernmentscheme.

Thusaadharcardisnotrequiredtoavailapyasofnow.

33. AkhilDixitsays:

July9,2015at1:50pm

Reply

Myageis32yearandifIwillpayinnext5yearinAPY;after5yearmyfinancialconditionwillnotallowmeto

contributeinthisschemethenmydepositedamountwillberefundablewithinterestornot;pleaseadvise

AkhilDixit

pmjandhanyoganasays:

July9,2015at5:29pm

Reply

governmenthasnotcomeupwithaclearstatementonthisscenario.Asofnowyoucannotstopthis

schemeinbetweenundernormalconditions.

34. Mohitsays:

July9,2015at2:30pm

Fromwherewecanaskformoneyafter60yearcompletion

pmjandhanyoganasays:

July9,2015at5:27pm

Reply

Reply

pensionwouldcometoyouraccountautomaticallyassoonasyourpremiumtenureisover.

35. Asokkumarsays:

July9,2015at3:55pm

Mydatebirthis16/05/1973.Iwanttojointhepensionplan.

Reply

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

pmjandhanyoganasays:

July9,2015at5:27pm

Reply

noyoucannotjoinatalpensionasyouhavecrossedtheagelimit

36. Swetasays:

July10,2015at12:34am

HelloSir,

Reply

Myquestionisifbothmeandmyhusbanddotwoapyplansfor5000rspensionbutsayiwilldiebeforeorafter60

years,thenmyhusbandcanget10000aspensionoronly5000andnomineewillgetthecorpousamount.

Inthatcasecantmyhusbandgetthatcorpusamount?????

Sironemorequestionisnowiamatbangalore,supposeafteraometimeinnearfutureigotomynativestateodisha andsettlethereandicreateanewsbiaccountinthatbranch…inthatcasecanicpntinuethisapyinthisaccountori

havetoclosethisbangaloresbiaccount,ifanyonecreates2accountinsamebankisthereanypeoblemwillbe

created???

Reply

pmjandhanyoganasays:

July10,2015at5:01am

Case1)Ifyoudieafter60yearsandthenhusbandisalivethenhewillgetrs10000aspensionandafter

youhusbanddiesthenyournomineewillget1.7lakhs(yourandyourhusbandshare)

case2)Ifyoudiesbefore60yearsthenyourhusband/nomineewillgettheamountthatyouhavedeposited

withinterest.

Reply

37. ranvirsays:

July10,2015at7:56am

SirIamacentralgovernmentemployee.CanIfillupformof?Apy

Reply

pmjandhanyoganasays:

July10,2015at8:49am

yescentralgovernmentemployeescanjoinatalpensionyojanabutyouwillnotgetthegovernments

contribution.

Reply

38. BISHWAJEETKUMARsays:

July10,2015at8:33am

Sir,

Iwouldliketoknowthatinbetween18to60years,ifpensionholderisexpiredthenwhatisthebenefitofthenominee.

WarmRegards

BISHWAJEETKUMAR

BOLPUR,BIRBHUM

Reply

pmjandhanyoganasays:

July10,2015at8:48am

nomineeinthiscasewillgettheaccumulatedamountwithinterest.

Reply

39. Sunilsays:

July10,2015at8:40am

DearSir,

–Myageis36yrs(howmuchpremiumshouldipaytogetpensionofRs.5000)

–Tillhowmuchyrsihavetopaythepremiumamount.

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

–IsthisfacilityavailableforICICIbank.

Thankyou

pmjandhanyoganasays:

July10,2015at8:47am

Reply

yourpremiumisrs990permonth

youhavetothispremiumfor24moreyears.

yesICICIbankoffersatalpensionyojana

40. praveensays:

July10,2015at10:09am

Reply

ICICIisavoidingaccountholderstoopenthisaccountsandtryingtomarkettheirproductsbyconfusingthecustomers

soitsbeetertogotootherbanks

kavithasays:

September23,2015at6:36am

Reply

Yes Iamalsofacingthesameissue.IahvemyaccountinICICIbankfor15years theyaresayingcorpus amountwillnotbegivenwhichismisleading.B’seofthesekindofmisleadinginfo,wearenotableto decide.MayIknowinwhichcircumstancesthecorpusamountwillbegiven?.Pleaseshareallthepossible situations.Thankyou

pmjandhanyoganasays:

September23,2015at1:22pm

Reply

itisagovernmentsponsoredschemetheycannotchangetherulebyaninch.

41. praveensays:

July10,2015at10:45am

whatifmynomineeismywife?willmykidsgetthe8.5lakhsonnot?ifmykidsdontgetthemoneythenineedto

changetehnomneetomykidssotellmehowtochangethenominee

pmjandhanyoganasays:

July10,2015at3:02pm

Reply

yesyourkidshavetobenomineetogetrs8.5lakhsascorpusamountinatalpensionyojana.Walktoyour

banktochangethenominee.

Smitha.C.Ksays:

March11,2016at6:15am

Reply

Thebanksays,thereisnoprovisionintheirwebsiteforchangingtheNominee.Canyouplease

providethedetailshowandwherethenomineedetailshavetobechanged.

42. SUSILKUMARBASAKsays:

July10,2015at11:02am

WhereIwillgetAPYCertificateandwhereIwillcollectthepensionamount.

Reply

pmjandhanyoganasays:

July10,2015at3:03pm

thereisnocertificateprovidedbybanksasofnowifyouwouldenrollinatalpensionyojana.Bankswould

creditpensionamountinyouraccounts.

Reply

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Arnabsays:

April7,2016at10:49am

Isthereanyprofsorcardwillbeprovided?IhavenotreceivedanythingasofnowbutSBIis sayingthatcertificatewillbecourieredbyGovtagencydirectly.

Iamlittlebitofworriedonwhathappenedpost60yrsonthisinvestment.

Alsopleaseletmeknowifthereisanywaytowithdrawthisscheme.

43. Chayansays:

July10,2015at11:36am

IfapplicantofAPYdiebefore60yearthenwhatbenefitprovidetospouse/nominee.

Ifapplicant&herspousebothdiebefore60yearwhatbenefittonominee.

Ifapplicantwanttochangehis/herbankinfuturehowitwillbedone.

pmjandhanyoganasays:

July10,2015at3:05pm

Reply

spouseinthiswouldgettheamountdepositedwithinterest.Ifapplicantandwifebothdiethenasnominee

willgettheamountdepositedwithinterest.Bankchangeinatalpensionyojanaisnotclear.

44. shobhitmohansays:

July10,2015at1:14pm

Reply

sir,

mywifeis36,iam41.onlyshecanapplyorevenican?

wheretowedepositthisform?

pmjandhanyoganasays:

July12,2015at6:21am

Reply

OnlyyourwifeiseligibleforthisPMPensionScheme.Pleasewalkthebankinwhichyouhaveasavings

accountandsubmitapyformtogetyourwifeenrolled.

45. AkashSalunkhesays:

July10,2015at7:28pm

Reply

Ifmeandmywifeoptfor5000Rspensionpermonth.

1)Ifanyoneofusdiebefore60agethenwhatwillhappen???

2)Ifanyoneofusdieafterageof60thenwhatwillhappen.

3)IfIampayingpremiummonthlyasforpensionof5000Rs.IfIkeeponincreasingpremiumeveryyearby1000Rspm

thenhowmuchpensionIwillreceiveaftertheageof60.

Pleaseinform.

Thanks

AkashSalunkhe

Reply

pmjandhanyoganasays:

July11,2015at4:42am

1)Inthiscasesurvivorwillgettheamountdepositedwithinterestofhispartner

2)ThenSurvivorwillgetapensionofrs10,000andnomineewillgetthecorpusamountofrs17lakhs

whentheremainingsurvivordies

3)YoucannotdothisinAtalpensionYojana

Reply

July10,2015at8:29pm

46. SUTENDRATRIPATHIsays:

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

Sir,

iwanttotakethebenefitsofAPY.wecantakethebenefitsonlyin1stjune2015.

pmjandhanyoganasays:

July11,2015at4:43am

Reply

noyoucanstartatalpensionyojanaschemeanytime.

47. baishnabjalsays:

July11,2015at5:20am

Reply

Sir,

meraage30runinghai,pensionkliyemejopremiumjamakarunga,5000pensionkochhodkjamakiyahuapaisa

humekabmilegatellmeplease.

pmjandhanyoganasays:

July11,2015at7:21am

Reply

aapkosirfpensionmilegi.Aapkejanekebaadaapkenomineeko8.5lakhsmilenge.

Reply

 

48. Kuttysays:

July11,2015at5:46am

Sir.

IhavenotreceivedthePRANnumbersince23May2015.IhavethereferencenumberfromSBI.ButthePRANisnot

yetreceived.Kindlyhelp.Whattodo?

Reply

49. sadiqsays:

 

July11,2015at5:52am

Hi,

MySelfSadiqiamWorkindinNGOcompanycanieligibleforApy

Reply

pmjandhanyoganasays:

July11,2015at7:22am

yesyoueareeligibleifyourageislessthen41years.

Reply

50. amityadavsays:

July11,2015at6:20am

Siriamincometaxpayerandasperyourreplyanswersicanjoinatalpantionyojnabutiwillnotgetonlygovernment

benefits,myquotationiscanmywifealsojointhisyojna,sheishousewife.

Reply

pmjandhanyoganasays:

July11,2015at7:22am

yesshecanalosjoinandcanavailgovernmentbenefits.

Reply

51. praveensays:

July11,2015at6:26am

Sir,Ihaveoptedfor5000pensionandwheniturn60yearsmycorpuswouldbewortharound8.5Lakhs.Supposeifi

livetill80yrsandmywifelives8moreyearsassheisyoungertomeby8yrsthetotalpensionthatwewouldbetaking

isfor28yrs.Inthiscasewouldthegovernmnetbepayingusonly5000rupeesamonthandkeepingourcorpus

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

amountof8.5Lfor28years?iftheyarekeepingitfor28yearsthenwouldtheybegivingournomineeaamountof8.5

Lakhsorthequarterlycompoundedvalueof8.5Lakhsfor28years?

pmjandhanyoganasays:

July11,2015at7:23am

itwouldbe8.5lakhsafterbothofyoudie.

Reply

Reply

praveensays:

July11,2015at10:53am

Thxthenthispolicyhasdualbenefits,oneisitwouldbeprovidingpensiontomeandmywife

andlatersupportmykidswithfinancialsupportforcarryingoutourlastrites.

52. DevPrajapatisays:

July11,2015at7:06am

Hii,

Supposeinfuturewearenotusingouracandweneedtocloseouracthencanwetransferouratalpensionyojanato

ouranotherac?

pmjandhanyoganasays:

July11,2015at7:25am

Reply

bankaccounttransferforapyisstillnotclear.

53. baishnabjalsays:

July11,2015at10:01am

Reply

Sir

APYmejamakiyehueamounthamereturnkabmilegapenssionkochhodk

pmjandhanyoganasays:

July11,2015at10:12am

Reply

woaapkonahimilega.Aapkiandaapkelifepartnerkdeathkbaadwoaapkenomineekomilega.

54. samsays:

July11,2015at1:09pm

Reply

siriwanttoknowhowmuchtimewehavetotakethispolicyandcana39+personcantakethispolicy…

thnx

Reply

pmjandhanyoganasays:

July11,2015at4:02pm

yesapersonlessthen41yearsandmorethen18yearscantakeAtalpensionYojana

Reply

55. BalasubramaniyamSenthilVadivelsays:

July11,2015at2:16pm

SirAfterthedownloadingandfillingtheformIshoulddirectlygotoabankorshouldisendittothebranch?Iam

planningtohavemyICICIbankaccountforPradhanMantriAtalPensionYojana

Reply

pmjandhanyoganasays:

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

July11,2015at4:04pm

FewofmyreadershavecommentedthatICICIbankisnotacceptingAPYform.Icannotgivetheguarantee

ofthisinformation.ItwouldbebetteryoutalktocustomercareofICICIbankbeforetakinganyaction.

Reply

56. gomathisays:

July11,2015at2:45pm

sir

Iam40yearscompletedonlyafterjuly20th.icanstartapy??andonemoredoubt.ifwegetbackouramountafter60

yearsfordaughtersmarriageortheamountwillnotberefundable???ifwedonotwantthepensionafter65wecan

getthetotalamount????

pmjandhanyoganasays:

July11,2015at4:07pm

Reply

yesyoucanapplyatalpensionyojana.Thereisnoprovisiontogetthecorpusamounttothesubscriber.

Subscriberandhis/herspousewillgetthepensionandtheirnomineewillgettheaccumulatedcorpus

amount.

57. SherinBabusays:

July11,2015at3:23pm

Reply

Sir,

Pleaseclarifythefollowing:

1)PresentlyIamnontaxpayeranddon’thaveanEPF/PFaccount.InfutureIfavailthefacilitieswillthisschemebe

invalid?

2)OnceIjointheschemehowcanIwithdrawinfutureincaseIwanttoatthattimewillIgetthemoneythathasbeen

depositedtillwithdrawaldate

3)MyfreindhasjoinedtheschemehegothisSBIaccountdebitedandalsogotareferencenoandPRANnumberbut

whenhecheckedthesameinwebsitetherewerenodetails.Isitfake?

Pleasekindlyreplywillbeusefultoothersalso.

pmjandhanyoganasays:

July11,2015at4:18pm

Reply

1)TaxPayerscanalsoavailthisschemesoitdosentmatter

2)Youcannotstopatalpensionyojanainbetweenundernormalconditions.Butifyouareseverelyillthen

itisallowed.

3)Iamnotsureaboutyourfriendscase.

58. hardiksays:

July11,2015at4:02pm

Reply

butsir,aspergivenaboveinstructionin“HowtogetAtalPensionYojana?”,ADHARCARDiscompulsory.Isit?

Reply

pmjandhanyoganasays:

July12,2015at6:20am

forjustenrollingpurposeaadharcardisnotmandatoryinatalpensionscheme.

Reply

59. hardiksays:

July11,2015at4:33pm

dearsir/mam,

ifistartAPYinmysavingaccount,thenifiwanttochangemybankbranch.thenafter,willmyAPYcontinue?

Reply

pmjandhanyoganasays:

12/22/2016

PradhanMantriAtalPensionYojana(APY)­PMJanDhanYojana

July12,2015at6:13am

thiscriteriaofatalpensionyoajanhasnotbeenclearasofnowfromgovernment.

Reply

60. Praveensays:

July11,2015at5:21pm

Canwechangethenominee’snamelater

Reply

pmjandhanyoganasays:

July12,2015at6:13am

yesyoucanchangenomineeinapyintimeinitstenure.

Reply

61. AkashSalunkhesays:

July11,2015at8:17pm

Sir

Howtostartthisscheme??.

Somewhereitiswrittenthatlastdateis01June2015,Isittrue???

Sogovernmentdontwantallcitizenstogetpension,whatwillhappentoupcominggenerationwhowillattainage

18yrs.Orthisschemeisfirstcomefirstservebasis.

Thisschemeshouldbekeptopenfrlifetime.sothatanyonecanavailthisscheme.

IhaveaccountsintwobanksICICInAxis.

ICICItoldmetocheckonlinetoavailthisschemenalsoinformedthatschemeisclosednow.