Atal Pension Yojana Benefits, Apply Process & Download Form

Atal Pension Yojana Scheme (APY) is purely made for workers of an unorganized sector. The workers will get a pension amount after 60 years of age when they stop earning. Under this Atal Pension Yojana(APY) the beneficiary will get a pension amount ranging from 1000-5000 rupees. All the beneficiaries can apply for this Atal Yojana Scheme both offline and online modes. Monthly financial assistance will be provided by the government to all the beneficiaries under the APY scheme.

In this article, we will guide you properly, so that you can get clear information about Atal Yojana Pension Scheme (APY), and you can also know how to apply for this Atal Yojana, what are the eligibility criteria and what benefits can a beneficiary get under Atal Pension.

Today Update

Atal Pension Yojana Calculations are explained in a detailed manner on New Chart and Application Forms are given below.

Atal Pension Yojana Scheme Details

The main objective of Atal Pension is to provide financial assistance to the workers of unorganized sectors. The Atal Yojana scheme was mentioned in 2015-16 budget sessions by union finance minister Arun Jaitley. The Central government will take contributions from workers in their prime time and once they retire, then the government starts to provide monthly income based on the contribution they make.

Highlights of Atal Pension Yojana Scheme (APY)

Name Of the Portal	National Portal Of India
Yojana Name	Atal Pension Yojana (APY)
Launched By	Prime Minister Narendra Modi on June 1st 2015
Scheme Type	Central Government Scheme
Scheme Category	Pension Scheme
Objective	To provide pensions for workers of unorganized sector after 60years.
Official Website	enps.nsdl.com

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Atal Pension Yojana Chart (APY Chart)

Here you can have a look at the Apy chart table so that you can get a clear day about contributions you need to pay in order to get your expected pension amount under Atal Yojana Pension Scheme.

Applicant Age	Remaining years of contribution	Monthly Contribution to get 1000 monthly Pension	Monthly Contribution to get 2000 monthly pension	Monthly Contribution to get 3000 monthly pension	Monthly Contribution to get 4000 monthly pension	Monthly Contribution to get 5000 monthly pension
18	42	42	84	126	168	210
19	40	46	92	138	183	228
20	41	50	100	150	198	248
21	39	54	108	162	215	269
22	38	59	117	177	234	292
23	37	64	127	192	254	318
24	36	70	139	208	277	346
25	35	76	151	226	301	376
26	34	82	164	246	327	409
27	33	90	178	268	356	446
28	32	97	194	292	388	485
29	31	106	212	318	423	529
30	30	116	231	347	462	577
31	29	126	252	379	504	630
32	28	138	276	414	551	689
33	27	151	302	453	602	752
34	26	165	330	495	659	824
35	25	181	362	543	722	902
36	24	198	396	594	792	990
37	23	218	436	654	870	1087
38	22	240	480	720	957	1196
39	21	264	528	792	1054	1318
40	20	291	582	873	1164	1454

Atal Pension Yojana Eligibility Criteria (APY)

To get enrolled under Atal Yojana Scheme, beneficiaries need to meet certain eligibility criteria. Here we provide you a list of eligibility criteria points. If a Beneficiary meets the below-mentioned conditions he/she can apply for Atal Pension Yojana Scheme (APY).

• Applicant’s age must be between 18-40 years.
• Applicants must be a worker from an unorganized sector.
• Applicants should possess a savings bank account/post office savings bank account.
• The mobile number and phone number should be linked to a bank account.
• Applicants should not be a beneficiary of any social security scheme.
• Applicants should not be income taxpayers.

Atal Pension Yojana Documents Required

Here is the list of documents needed while you are applying for the Atal Pension Yojana Scheme.

• Age Certificate
• Bank Account Details.
• Aadhaar card or Voter ID.
• Resident Proof

How to Apply Atal Pension Yojana Offline

1. Applicants can apply for this Atal Yojana by visiting the respective banks in which they have an account.
2. The Beneficiary can get APY scheme forms, the forms are available in different languages based on the convenience he can choose the language, need to fill the form and submit to the respective bank officer.
3. Once the account gets open, the applicant gets an SMS to his registered mobile number.
4. KYC details automatically get linked to the scheme. 

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How to Fill Atal Pension Yojana form

• In the first section, you need to fill in your bank account number, bank name, and bank branch.
• In the second section, you need to fill in your personal details like Name of the Applicant, Date Of Birth, Email ID, Marital Status, Aadhaar number.
• In the same personal details section, you will have an additional sub-section for minors where they need to provide the details of the guardian and his date of birth.
• In the third section, you need to choose the minimum guaranteed pension amount as per your expectations.
• After filling three sections you need to keep your signature, as you are giving a declaration that all the details are true.

These are the details you need to fill in the application form. Application forms will be available in different languages in every language. These are details you will be asked to fill.

Atal Pension Yojana form PDF Download in English

Atal Pension Yojana Online Apply Procedure

A beneficiary can also apply online through atal pension official website. Here are a couple of procedures where you can fill the application form. Here we explain the Atal pension net banking online procedure of major banks.

Atal Pension Yojana Online Apply State Bank Of India

• Open the Official website of SBI onlinesbi.com and press login
• You will be redirected to a new page and after Entering Your user name and password and press login.
• A new page will be opened, click on the menu tab.
• You will find a new page, then look for an e-services option, click on this option. Then you will get the Social Security Scheme option, click on it.
• A new page is opened, choose scheme as Atal Pension Yojana Scheme (APY) and also enter your account number, press submit.
• A new page is opened where you need to enter your CIF number, press submit.
• Then you will get an application form fill in the details, and submit

Atal Pension Yojana Apply Online Punjab National Bank

1. First, go to the play store and Download PNBONE app.
2. Install the app and by entering your net banking credentials complete the login.
3. There you will find several options and choose the Government Initiatives option. 
4. A new page will be opened, you will three schemes among them choose Atal Pension Yojana Scheme and click on it.
5. A list of terms and conditions will appear, read them after reading, click the check box and press continue.
6. Applications get opened, fill the details and submit

Atal Pension Yojana Apply Online ICICI Bank

• Open the Official website of ICICI Bank ICICIBank.com
• The home page will be opened and click on customer service.
• A new page is opened, click on service request.
• Then click on enroll for Atal Pension Yojana from Bank Accounts.
• An application appears on a new page, fill the application with the required details and submit.

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Contribution of Atal Pension Yojana Details

The monthly contributions are directly debited from the applicant’s bank accounts. If there are any issues raised in the process of deduction like insufficient funds or no contribution made, such scenarios are dealt with in the following ways.

1. After 6 months the account will be frozen.
2. After 12 months the account will be deactivated.
3. After 24 months the account will be closed.

Atal Pension Yojana Penalty Details

• If the applicants delay the payment of contributions continuously, a heavy penalty is levied. There are certain penalties under Atal Yojana Scheme (AYP).
• Rupees 1 for a month for contribution up to 100 per month.
• Rupees 2 per month for the contribution up to rupees 101 to 500 per month.
• Rupees 5 per month for the contribution up to rupees 501 to 1000 per month.
• Rupees 10 per month for the contribution beyond rupees 1001 per month.

Benefits of Atal Pension Yojana (APY)

1. Under this Atal Pension Yojana, applicants will be guaranteed with minimum pension benefit by the government, assuming that if the actual returns on the pension contributions are less than the assumed returns to give a minimum guaranteed pension, that shortage will be funded by the government.
2. On the other hand, if the actual returns on the pension contributions are higher than the assumed returns to give minimum guaranteed pensions, that excess amount will be credited to the applicant’s bank account as enhanced scheme benefits.
3. To each eligible applicant, who has joined Atal Pension Yojana Scheme between 1st June 2015 to 31st March 2016, the government has already co-contributed 50% of his per annum. Government co-contribution is payable to eligible Permanent Retirement Account Number (PRANs) by the Pension Fund Regulatory and Development Authority (PFRDA) after getting the confirmation from the central record. The government provided co-contribution for 5 years from the financial year 205-16 to 2019-20.
4. Atal Yojana Scheme beneficiaries have a tax benefit, on the contributions and investment returns on such contributions, up to a ceiling. The pension income of the beneficiary will be taxed at the appropriate marginal rate of tax, applicable to the subscriber.

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Atal Pension Yojana Important Forms

SUBSCRIBER REGISTRATION FORM	Download PDF
REGISTRATION FORM FOR EXISTING SWAVALAMBAN YOJANA SUBSCRIBERS	Download PDF
SUBSCRIBER DETAILS MODIFICATION AND CHANGE OF APY-SP FORM	Download PDF
ATAL PENSION YOJANA (APY) FORM TO UPGRADE/DOWNGRADE PENSION AMOUNT	Download PDF
APY DEATH & SPOUSE CONTINUATION FORM	Download PDF
VOLUNTARY EXIT APY WITHDRAWAL FORM	Download PDF
APY APPLICATION FOR BANKS TO BE REGISTERED UNDER ATAL PENSION YOJANA	Download PDF
APY SERVICE PROVIDER REGISTRATION FORM	Download PDF
SUBSCRIBER GRIEVANCE REGISTRATION(G1) FORM FOR APY SUBSCRIBER	Download PDF

Atal Pension Yojana Customer Care Number

APY Pension Customer Service Number:
1800-180-1111 / 1800-110-001
1800-110-069

Atal Pension Yojana Customer Care State wise Toll-Free Number list

S.No.	State Name	Name Of SLBC Convenor Bank	Toll Free Number
1	Andhra Pradesh	Andhra Bank	1800-425-8525
2	Andman & Nicobar Island	State Bank of India	1800-345-4545
3	Arunachal Pradesh	State Bank of India	1800-345-3616
4	Assam	State Bank of India	1800-345-3756
5	Bihar	State Bank of India	1800-345-6195
6	Chandigarh	Punjab National Bank	1800-180-1111
7	Chhattisgarh	State Bank of India	1800-233-4358
8	Dadra & Nagar Haveli	Dena Bank	1800-225-885
9	Daman & Diu	Dena Bank	1800-225-885
10	Delhi	Oriental Bank of Commerce	1800-1800-124
11	Goa	State Bank of India	1800-2333-202
12	Gujarat	Dena Bank	1800-225-885
13	Haryana	Punjab National Bank	1800-180-1111
14	Himachal Pradesh	UCO Bank	1800-180-8053
15	Jharkhand	Bank of India	1800-345-6576
16	Karnataka	Syndicate Bank-SLBC	1800-4259-7777
17	Kerala	Canara Bank	1800-425-11222
18	Lakshadweep	Syndicate Bank	1800-4259-7777
19	Madhya Pradesh	Central Bank of India	1800-233-4035
20	Maharashtra	Bank of Maharashtra	1800-102-2636
21	Manipur	State Bank of India	1800-345-3858
22	Meghalaya	State Bank of India	1800 – 345 – 3658
23	Mizoram	State Bank of India	1800-345-3660
24	Nagaland	State Bank of India	1800-345-3708
25	Odisha	UCO Bank	1800-345-6551
26	Pondicherry	Indian Bank	1800-4250-0000
27	Punjab	Punjab National Bank	1800-180-1111
28	Rajasthan	Bank of Baroda	1800-180-6546
29	Sikkim	State Bank of India	1800-345-3256
30	Telangana	State Bank of Hyderabad	1800-425-8933
31	Tamil Nadu	Indian Overseas Bank	1800-425-4415
32	Uttar Pradesh	Bank of Baroda	1800-102-4455 1800-223-344
33	Uttrakhand	State Bank of India	1800-180-4167
34	West Bengal and Tripura	United Bank of India	1800-345-3343

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