Atal Pension Yojna (APY), announced in the Budget, will be launched on 1st of June 2015.
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Atal Pension Yojna (APY), announced in the Budget, will be launched on 1st of June 2015.

Atal Pension Yojna (APY), announced in the Budget, will be launched on 1st of June 2015.02 March 2015 :: Atal Pension Yojna (APY), announced in the Budget, will be launched on 1st of June 2015 and will focus on all citizens in the unorganised sector entitling them to a pension of up to Rs 5,000 per month after 60 years of age. The existing subscribers of Swavalamban Scheme would be automatically migrated to the APY pension scheme, unless they opt out.

The minimum age of joining APY is 18 years and maximum age is 40 years. Therefore, minimum period of contribution by the subscriber under APY would be 20 years or more,

The benefit of fixed pension would be guaranteed by the government.

The central government would also co-contribute 50 per cent of the subscriber’s contribution or Rs 1,000 per annum, whichever is lower, to each eligible subscriber account, for a period of 5 years.

Union Finance Minister Arun Jaitley said in his Union Budget 2015 – 16.
A large proportion of India’s population is without insurance of any kind – health, accidental or life. Worryingly, as our young population ages, it is also going to be pension-less. Encouraged by the success of the Pradhan Mantri Jan Dhan Yojana, I propose to work towards creating a universal social security system for all Indians, specially the poor and the under-privileged.

 The soon-to-be-launched Pradhan Mantri Suraksha Bima Yojna will cover accidental death risk of `2 lakh for a premium of just `12 per year. Similarly, we will also launch the Atal Pension Yojana, which will provide a defined pension, depending on the contribution, and its period. To encourage people to join this scheme, the Government will contribute 50% of the beneficiaries’ premium limited to `1,000 each year, for five years, in the new accounts opened before 31st December, 2015.

 The third Social Security Scheme that I wish to announce is the Pradhan Mantri Jeevan Jyoti Bima Yojana which covers both natural and accidental death risk of `2 lakhs. The premium will be `330 per year, or less than one rupee per day, for the age group 18-50.

 There are unclaimed deposits of about `3,000 crore in the PPF, and approximately `6,000 crore in the EPF corpus. I have proposed the creation of a Senior Citizen Welfare Fund, in the Finance Bill, for appropriation of these amounts to a corpus which will be used to subsidize the premiums of vulnerable groups such as old age pensioners, BPL card-holders, small and marginal farmers and others. A detailed scheme would be issued in March.

अटल पेंशन योजना [ एपीवाई ] :: बजट में घोषित अटल पेंशन योजना [ एपीवाई ] एक जून से शुरू की जाएगी और असंगठित क्षेत्र में काम करने वाले सभी नागरिको पर केंद्रित होगी। इसके तहत 60 साल की उम्र के बाद उन्हें 5000 रुपये तक पेंशन मिलेगी। स्वाबलंबन योजना के मौजूदा अंशधारक अगर इससे बाहर निकलने का विकल्प नहीं चुनते है तो वे स्वत: एपीवाई पेंशन योजना में आ जायेगे
एपीवाई  तहत असंगठित क्षेत्र में काम करने वाले उन सभी लोगो पर जोर होगा जो पेंशन कोष निमायक वा विकास प्राधिकार द्वारा संचालित राष्ट्रीय पेंशन प्रणाली में शामिल है और वे जो किसी सांविधिक सामाजिक सुरक्षा योजना से नहीं जुड़े है

एपीवाई पेंशन योजना की पात्रता
एपीवाई पेंशन योजना के लिए न्यूनतम उम्र 18 साल तथा अधिकतम उम्र 40 साल है।  इसके अंशधारक के लिए योगदान की अधिकतम अवधि 20 वर्ष है।  सरकार की और से निश्चित पेंशन लाभ की गारंटी होगी

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