Atal Pension Scheme Offers Rs 5000 Monthly Pension for Just Rs 210 Investment

If you envision a fulfilling retirement, now is the time to embark on the journey towards financial security.

By contributing a mere Rs 210 per month, you can secure a monthly pension of Rs 5,000 under the government-backed Atal Pension Yojana.

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Launched in the fiscal year 2015-16, this scheme has garnered participation from over 5 crore individuals, offering a guaranteed pension from the government.

Investment Breakdown and Benefits

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Initiating this scheme at the age of 18 and contributing Rs 210 monthly ensures a substantial monthly pension of Rs 5,000 upon reaching the age of 60.

For those seeking lower pension amounts, the investment varies accordingly: Rs 42 for a Rs 1,000 pension, Rs 84 for Rs 2,000, Rs 126 for Rs 3,000, and Rs 168 for Rs 4,000 monthly pension.

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The earlier one begins investing in this scheme, the greater the potential benefits. Flexibility is paramount, allowing adjustments to the investment amount based on personal preferences.

Government’s Pension Assurance

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Presently, Atal Pension Yojana offers five pension slabs ranging from Rs 1,000 to Rs 5,000.

Upon enrolling and investing, subscribers are guaranteed a pension of up to Rs 5,000 per month post the age of 60 until their demise.


The amount of pension can be modified once per financial year.

In the event of the subscriber’s demise before reaching 60, the spouse has the option to continue contributing to the subscriber’s Atal Pension Yojana account.


Commence Investing Early for Optimal Returns

With modest monthly contributions tailored to individual needs, individuals aged between 18 and 40 can secure a monthly pension ranging from Rs 1,000 to Rs 5,000 in their golden years.

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The scheme’s popularity has led to over five crore individuals becoming stakeholders in this initiative.

Eligibility and Rule Amendments

It’s important to note that, as of October 1, 2022, individuals who are taxpayers or have been taxpayers are ineligible to enroll in APY.

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In the unfortunate event of the subscriber’s demise, the nominee will receive the pension funds.


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