Atal Pension Yojana (APY) Kya Hai & Kaise Apply Kare

Javani to machis ki jalati tilli ki tarah bit jati hai, lekin budhapa / old age tham sa jata hai, because

1.Is age me loneliness bahut jyada hota hai, isliye life partner ki jarurat sabse jyada padti hai.

2.Kahi job nahi kar sakte, isliye paise ki jarurat sabse jyada padata hai.

Kya apane apne old age ke liye taiyari kar li hai?

Ham first need ki baat nahi kar rahe, balki second need ki baat kar rahe hai.

Yadi aapne abhi tak kuch nahi kiye hai aur aapki age 40 years se kam hai to aap NPS aur APY se apne future ko secure kar sakte hai.

India me old age ko financial strong banana ke liye NPS (National Pension System) aur APY (Atal Pension Yojana) sabse popular scheme hai, jisse aap old age ke din maje se gujar sakte hai.

• NPS Kya Hai & Kaise NPS Account Open Kare

Hamne isse pahle post me NPS ke bare bataye the, isliye is post me APY ke bare me janenge.

APY (Atal Pension Yojana) Ke liye Apply Kaise Kare

APY Jandhan Scheme ke bad Indian Government ki second largest scheme hai. Jise 9 May 2015 ko launch kiya gaya tha.

Is scheme ka main object hai, unorganized sector ke employees ka future secure karana. Jiske liye pension diya jata hai.

Yah pension beneficiary ko 60 year age hone ke bad investment ke base par per month Rs 1000, ya Rs 2000 ya Rs 3000 ya Rs 4000 ya Rs 5000 milata hai.

Filhal Government pension ke amount ko Rs 10,000 karane par vichar kar rahi hai.

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APY Ke Benefits

APY se kai fayade hai, jo priceless hai.

1.Old age secure hoti hai.

2.Invested amount tax free hota hai.

3.Regular saving karane ki habit banata hai, jo other saving ke liye encourage karti hai.

4.Financial status strong hota hai.

5.Old age me jyada respect milata hai, kyonki paisa jo hota hai.

APY Ko Kaun Join Kar Sakta Hai

APY ko bhi join karane ke liye simple qualification set kiye gaye hai, jise points me jante hai.

1.India ka resident ho.

2.Age 18-40 year ho.

3.Tax Payer na ho.

4.Kisi other Social Welfare Scheme (EPF) ka benefit na leta ho.

Atal Pension Yojana (APY) Ke Liye Apply Kaise Kare

APY ke liye apply karane ka process behad hi simple hai.

1.Application Forum download kare.

2.Forum fill up kare.

3.Bank me jama kar de.

Jiske bad APY ke liye aapke bank account se premium amount automatically cut ho jayega. Jiska benefit 60 year age ke bad milega.

APY Ke Plans

APY ke under  60 year age ke bad Rs 1000, ya Rs 2000, ya Rs 3000, ya Rs 4000, ya Rs 5000 per month pension dene ke liye applicant ke age ke according kai plans bana rakhe hai.

Ise APY Calculator bhi kaha jata hai, jiske according investment hone ke bad 60 year ke bad investor ko definitive pension amount per month milega.

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APY Me Invest Kaise Kare

APY invest karane ke liye monthly, quarterly, half yearly fix installment pay karna hota hai, jo is scheme entry karane vale candidate ki age ke according different hoti hai. Aap APY Calculator dekh sakte hai.

Example- kisi person ki age 30 year hai aur vo APY scheme se 60 year ke bad per month Rs 1000 pension lena chahate hai to use per month 116 rupees ya  346 rupees quarterly ya 685 rupees half yearly pay karana hoga.

Yani 1000 rupees per month pension chahane vale ko 60 ki age tak 1.7 lakh invest karana hoga. Isi tarah Rs 2000 per month pension ke liye Rs 3.4 lakh, Rs 3000 per month pension ke liye Rs 5.1 lakh, Rs 4000 per month pension ke liye 6.8 lakh aur Rs 5000 per month pension ke liye 8.5 lakh invest karna hoga.

APY Card (PRAN Card) Kaise Download Kare Ya APY Balance Kaise Dekhe

Yadi aapne abhi tak PRAN Card nahi banaya hai ya lost ho gaye hai to aap easily online PRAN Card ko bana sakate hai. Iske liye following steps follow kare, isse aap APY balance bhi jan sakte hai.

1.Is link par visit kare.

2.PRAN number janate hai to PRAN Number enter kare ya Subscriber Name, Bank A/c Number, Date of Birth, Views for Subscriber select kare.

3.Submit kare.

4.Ab aap APY Balance ko dekh sakte hai aur PRAN Card ko download kar sakte hai.

FAQ (Important Question)

Kya Government Se Bhi Contribution Milegi?

Ha, Government is scheme me annual contribution ka 50% contribute karti hai, but Government per year maximum Rs 1000 ka contribution kar sakti hai. Yah contribution Govt 2016 se 2020 tak karegi.

But yah benefit lene ke liye kai condition hai.

1.Is scheme ko 31 March, 2016 se pahle join hona chahiye.

2.APY ke alawa other Social Security Schemes, jaise EPF, SPF etc ka benefit naa lete ho.

3.Investor tax payer naa ho.

Kya APY Ke Pension Amount Ko Increase Ya Decrease Kiya Ja Sakta Hai?

Pension Amount ko keval 60 year age se pahle hi increase ya decrease kiya ja sakta hai. Jise plan upgrade ya degrade bhi kah sakte hai.

Yadi pension amount increase karana chahte hai to increase hue installment ko pay karana hoga aur baki dono plans ke contribution ke different amount (due amount) ko 8% ki monthly compounding interest ke sath pay karana hoga.

Vahi, plan degrade karna chahenge to dono plan ke contribution ka different amount (excess amount) ko return kar diya jayega.

Yadi APY Investor Ki Death 60 years Age Se Pahle Ho Jati Hai To?

Yadi 60 years se pahle hi APY Investor ki death ho jati hai to remain years (investor ki age 60 year tak hone) tak uske husband ya wife ko installment pay karana hoga, yadi vo APY plan ko jari rakhana chahte hai to.

Jisse death investor ki 60 years age ke bad uski wife ya husband ko lifetime pension milega aur unki death hone par nominee person ko remain invested amount return kar diya jayega.

Vahi agar investor unmarried ya uska husband/ wife alive nahi hai to nominee ko total invested amount return kar diya jayega.

Vahi agar investor ka wife/ husband alive hai aur is plan ko continue nahi rakhana chahte hai, to is case me bhi total invested amount return kar diya jayega.

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Yadi APY Investor Ki Death 60 Year Age Ke Bad Hoti Hai?

Is case me investor ki wife/husband ko lifetime pension milati rahegi.

Par agar investor ki wife/husband alive nahi hai to nominee ko invested amount return kar diya jayega.

Kya 60 Year Age Se Pahle APY Scheme Ko Close Kar Sakte Hai?

Bilkul, aap in condition me close kar sakte hai.

1.Following fatal disease hone par – cancer, kidney failure (end state renal failure, primary pulmonary arterial hypertension, multiple sclerosis, major organ transplant, coronary artery bypass graft, aorta graft surgery, heart valve surgery, stroke, myocardial infarction, coma, total blindness and paralysis

2.APY scheme me investment karne me financially disable hone jane par.

Iske bad invested amount return kar diya jayege.

Note- agar aapne 31 march 2016 se pahle APY me invest kiye hai to Government contribution cut kar remain invested amount return kar diya jayega.

Kya Ek Person NPS aur APY Account Open Kar Sakte Hai?

Nahi, ek person ya to NPS ka ya APY scheme ka benefit le sakta hai.

APY Ko Join Karne Par Kya Tax Benefit Milega?

Is scheme me invested amount par 80 CCD (1) aur 80 CCD (1B) act ke according tax benefit milega.

Act 80 CCD (1) ke according, APY me invest ke liye Annual income ke 20% tax free hoga. Yah maximum 1.5 lakh per year ho sakta hai.

Vahi 80 CCD (1B) ki according, APY me invest ke liye 50,000 rupees tax free hoga.

APY Pension Par Tax Dena Hoga?

Ha, yadi 60 year ke bad aapka annual income taxable hai to tax dena hoga.

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In Last Word

Life ke liye money fuel ki tarah hai, jiski sabse Jyada jarurat old age me padati hai, because us age me income resource nahi hote hai, aise me APY ki pension aapke life ko fuel up kar sakta hai. Isliye aapko jarur iska benefit lena chahiye.

Yadi aap is post ko helpful pate hai to Facebook, Twitter, Google Plus aur Whatsapp par share kare.