Understanding the Atal Pension Yojana Scheme Chart: A Step-by-Step Guide

The Atal Pension Yojana (APY) scheme is a pension scheme launched by the Government of India in 2015. The scheme is designed to provide a pension to people in the unorganized sector who do not have access to any formal pension scheme. The scheme offers a guaranteed pension to its subscribers, and the pension amount depends on the contribution made and the age of the subscriber at the time of joining. In this blog post, we will discuss the Atal Pension Yojana scheme chart, which is a step-by-step guide to help you understand how the scheme works.

Eligibility

The first step in the APY scheme chart is eligibility. To be eligible for the APY scheme, you must be an Indian citizen between the ages of 18 and 40. You must have a savings bank account, and the bank account should be linked to Aadhaar. If you meet these criteria, you can proceed to the next step.

Choosing the Pension Amount

The second step in the APY scheme chart is choosing the pension amount. The pension amount ranges from Rs. 1000 to Rs. 5000 per month, depending on the contribution made and the age of the subscriber at the time of joining. To calculate the contribution amount, the subscriber needs to choose the pension amount they want to receive and their age at the time of joining.

For example, if a subscriber wants to receive a pension of Rs. 3000 per month and is 30 years old at the time of joining, the contribution amount will be Rs. 577 per month.

Choosing the Contribution Frequency

The third step in the APY scheme chart is choosing the contribution frequency. The subscriber can choose to contribute on a monthly, quarterly, or half-yearly basis, depending on their convenience.

Atal Pension Yojana SCHEME Chart

Rs. 1000 per month

Below calculator provides the approx monthly payment you would have to make to get a Atal pension of Rs 1000 each month. Basically if you start early you will have to pay less monthly and if you start late you have to pay more.

Age of Customer	Years to invest	Monthly Payment	Pension Amount	Return to nominee
18	42	42	1000	1.7 Lakh
19	41	45.9	1000	1.7 Lakh
20	40	50	1000	1.7 Lakh
21	39	54.7	1000	1.7 Lakh
22	38	59	1000	1.7 Lakh
23	37	64.6	1000	1.7 Lakh
24	36	70	1000	1.7 Lakh
25	35	76	1000	1.7 Lakh
26	34	82.5	1000	1.7 Lakh
27	33	89.7	1000	1.7 Lakh
28	32	97.6	1000	1.7 Lakh
29	31	107.2	1000	1.7 Lakh
30	30	116	1000	1.7 Lakh
31	29	127	1000	1.7 Lakh
32	28	139	1000	1.7 Lakh
33	27	152	1000	1.7 Lakh
34	26	166	1000	1.7 Lakh
35	25	181	1000	1.7 Lakh
36	24	198	1000	1.7 Lakh
37	23	218	1000	1.7 Lakh
38	22	240	1000	1.7 Lakh
39	21	265	1000	1.7 Lakh
40	20	291	1000	1.7 Lakh

Similar calculation can be done for amount 2000. You just need to multiply column 3, 4 & 5 by 2 and you will get the amount.

Rs. 2000 per Month

Atal Pension Yojana calculator to get Rs 2000 monthly pension

Age of Customer	Years to invest	Monthly Payment	Pension Amount	Return to nominee
18	42	84	2000	3.4 Lakh
19	41	91.8	2000	3.4 Lakh
20	40	100	2000	3.4 Lakh
21	39	109.4	2000	3.4 Lakh
22	38	118	2000	3.4 Lakh
23	37	129.2	2000	3.4 Lakh
24	36	140	2000	3.4 Lakh
25	35	152	2000	3.4 Lakh
26	34	165	2000	3.4 Lakh
27	33	179.4	2000	3.4 Lakh
28	32	195.2	2000	3.4 Lakh
29	31	214.4	2000	3.4 Lakh
30	30	232	2000	3.4 Lakh
31	29	254	2000	3.4 Lakh
32	28	278	2000	3.4 Lakh
33	27	304	2000	3.4 Lakh
34	26	332	2000	3.4 Lakh
35	25	362	2000	3.4 Lakh
36	24	396	2000	3.4 Lakh
37	23	436	2000	3.4 Lakh
38	22	480	2000	3.4 Lakh
39	21	530	2000	3.4 Lakh
40	20	582	2000	3.4 Lakh

Rs. 3000 per month

Atal pension yojana investment required to get Rs 3000 pension

Age of Customer	Years to invest	Monthly Payment	Pension Amount	Return to nominee
18	42	126	3000	5.1 Lakh
19	41	137.7	3000	5.1 Lakh
20	40	150	3000	5.1 Lakh
21	39	164.1	3000	5.1 Lakh
22	38	177	3000	5.1 Lakh
23	37	193.8	3000	5.1 Lakh
24	36	210	3000	5.1 Lakh
25	35	228	3000	5.1 Lakh
26	34	247.5	3000	5.1 Lakh
27	33	269.1	3000	5.1 Lakh
28	32	292.8	3000	5.1 Lakh
29	31	321.6	3000	5.1 Lakh
30	30	348	3000	5.1 Lakh
31	29	381	3000	5.1 Lakh
32	28	417	3000	5.1 Lakh
33	27	456	3000	5.1 Lakh
34	26	498	3000	5.1 Lakh
35	25	543	3000	5.1 Lakh
36	24	594	3000	5.1 Lakh
37	23	654	3000	5.1 Lakh
38	22	720	3000	5.1 Lakh
39	21	795	3000	5.1 Lakh
40	20	873	3000	5.1 Lakh

Rs. 4000 per month

Atal pension yojana investment required to get Rs 4000 pension

Age of Customer	Years to invest	Monthly Payment	Pension Amount	Return to nominee
18	42	168	4000	6.8 Lakh
19	41	183.6	4000	6.8 Lakh
20	40	200	4000	6.8 Lakh
21	39	218.8	4000	6.8 Lakh
22	38	236	4000	6.8 Lakh
23	37	258.4	4000	6.8 Lakh
24	36	280	4000	6.8 Lakh
25	35	304	4000	6.8 Lakh
26	34	330	4000	6.8 Lakh
27	33	358.8	4000	6.8 Lakh
28	32	390.4	4000	6.8 Lakh
29	31	428.8	4000	6.8 Lakh
30	30	464	4000	6.8 Lakh
31	29	508	4000	6.8 Lakh
32	28	556	4000	6.8 Lakh
33	27	608	4000	6.8 Lakh
34	26	664	4000	6.8 Lakh
35	25	724	4000	6.8 Lakh
36	24	792	4000	6.8 Lakh
37	23	872	4000	6.8 Lakh
38	22	960	4000	6.8 Lakh
39	21	1060	4000	6.8 Lakh
40	20	1164	4000	6.8 Lakh

Rs. 5000 per month

Atal pension yojana investment required to get Rs 5000 pension

Age of Customer	Years to invest	Monthly Payment	Pension Amount	Return to nominee
18	42	210	5000	8.5 Lakh
19	41	229.5	5000	8.5 Lakh
20	40	250	5000	8.5 Lakh
21	39	273.5	5000	8.5 Lakh
22	38	295	5000	8.5 Lakh
23	37	323	5000	8.5 Lakh
24	36	350	5000	8.5 Lakh
25	35	380	5000	8.5 Lakh
26	34	412.5	5000	8.5 Lakh
27	33	448.5	5000	8.5 Lakh
28	32	488	5000	8.5 Lakh
29	31	536	5000	8.5 Lakh
30	30	580	5000	8.5 Lakh
31	29	635	5000	8.5 Lakh
32	28	695	5000	8.5 Lakh
33	27	760	5000	8.5 Lakh
34	26	830	5000	8.5 Lakh
35	25	905	5000	8.5 Lakh
36	24	990	5000	8.5 Lakh
37	23	1090	5000	8.5 Lakh
38	22	1200	5000	8.5 Lakh
39	21	1325	5000	8.5 Lakh
40	20	1455	5000	8.5 Lakh

Conclusion

The Atal Pension Yojana scheme chart is a step-by-step guide to help you understand how the scheme works. The scheme is designed to provide financial security to people in the unorganized sector who do not have access to any formal pension scheme. The scheme offers a guaranteed pension to its subscribers, and the pension amount depends on the contribution made and the age of the subscriber at the time of joining. If you are between the ages of 18 and 40 and do not have access to any formal pension scheme, you should consider joining the Atal Pension Yojana scheme and secure your retirement.

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