Pradhan Mantri Atal Pension Yojana (APY)


Pradhan Mantri Atal Pension Yojana (APY)

Named after the ex-prime minister of India, Atal Bihari Vajpayee, Atal Pension Yojana also know as APY Scheme was launched in continuation to the Jan Dhan Yojana Scheme to bring those employed in rural and unorganized sector under the ambit of Pension Schemes.  The idea of the scheme is to provide a definite pension to all Indians.

However, in order to get pension during your old age, you need to contribute accordingly.  The more you can contribute the more pensions you would get during old age.  The scheme is backed by Ministry of Finance, Government of India.  The scheme would mostly touch those working under unorganized sector.

Please follow this link to own your house in PM Awas Yojana

Atal Pension Yojana (APY)

Eligibility for Atal Pension Yojana

Any Indian national within the age group of 18 to 40 years is eligible to contribute under APY.  However, any member of a statutory social security scheme is not eligible to get the governments contribution for this pension scheme. But he will get all normal benefits of APY. If your age is 40 Years then you are eligible but if you are 40 years and 1 day then you are not eligible.

Government Contribution in Atal Pension Yojana

As all the previous schemes launched by Narendra Modi, this scheme to has an early bird incentive attached with it. If you would enroll in it on or before 31st March 2016 then you would be getting a government contribution.  Government will contribute maximum of rs 1000 per year for first 5 years.  Your yearly contribution should be more then rs 2000 to get this amount. If your yearly contribution (X rs) is less then rs 2000 then you will get Rs X/2 as government contribution.

These subscribers will not get governments contibution

  • If you are an income tax payer
  • If you are any state or government employee
  • if you work in a private company and have EPF or EPS account.

How to Apply | Process to get enrolled.

In order to apply for APY an Indian national needs to have a working bank account.  Date for submission of forms has started from 01st June 2015. There is no last date for enrollment. You have to fill the form in any bank and you are done. Please make sure this bank account have sufficient money each month before premium is deducted.

Premium payable under Atal Pension Yojana

There is also a policy under the scheme, wherein if the pension account holder dies, the contributions would go to the family or the nominee of the account.  The premiums to the pension account would be paid through your bank account and it would be auto-debited from the bank account.

Premium of APY can be paid through 3 options

  • Monthly
  • Quarterly
  • Half Yearly

Premium of Atal pension Yojana for Rs 1000 Pension

Sn Age Vesting Period Monthly Quarterly Half Yearly
1 18 42 42 125 248
2 19 41 46 137 271
3 20 40 50 149 295
4 21 39 54 161 319
5 22 38 59 176 348
6 23 37 64 191 378
7 24 36 70 209 413
8 25 35 76 226 449
9 26 34 82 244 484
10 27 33 90 268 531
11 28 32 97 289 572
12 29 31 106 316 626
13 30 30 116 346 685
14 31 29 126 376 744
15 32 28 138 411 814
16 33 27 151 450 891
17 34 26 165 492 974
18 35 25 181 539 1068
19 36 24 198 590 1169
20 37 23 218 650 1287
21 38 22 240 715 1416
22 39 21 264 787 1558
23 40 20 291 876 1717

Premium of Atal pension Yojana for  Rs 2000 Pension

Sn Age Vesting Period Monthly Quarterly Half Yearly
1 18 42 84 250 496
2 19 41 92 274 543
3 20 40 100 298 590
4 21 39 108 322 637
5 22 38 117 349 690
6 23 37 127 378 749
7 24 36 139 414 820
8 25 35 151 450 891
9 26 34 164 489 968
10 27 33 178 530 1050
11 28 32 194 578 1145
12 29 31 212 632 1251
13 30 30 231 688 1363
14 31 29 252 751 1487
15 32 28 276 823 1629
16 33 27 302 900 1782
17 34 26 330 983 1948
18 35 25 362 1079 2136
19 36 24 396 1180 2337
20 37 23 436 1299 2573
21 38 22 480 1430 2833
22 39 21 528 1574 3116
23 40 20 582 1734 3435

Premium for Atal pension Yojana for pension of Rs 3000

Sn Age Vesting Period Monthly Quarterly Half yearly
1 18 42 126 376 744
2 19 41 138 411 814
3 20 40 150 447 885
4 21 39 162 483 956
5 22 38 177 527 1045
6 23 37 192 572 1133
7 24 36 208 620 1228
8 25 35 226 674 1334
9 26 34 246 733 1452
10 27 33 268 799 1582
11 28 32 292 870 1723
12 29 31 318 948 1877
13 30 30 347 1034 2048
14 31 29 379 1129 2237
15 32 28 414 1234 2443
16 33 27 453 1350 2673
17 34 26 495 1475 2921
18 35 25 543 1618 3205
19 36 24 594 1770 3506
20 37 23 654 1949 3860
21 38 22 720 2146 4249
22 39 21 792 2360 4674
23 40 20 873 2602 5152

Premium for Atal pension Yojana for pension of Rs 4000

Sn Age Vesting Period Monthly Quarterly Half Yearly
1 18 42 168 501 991
2 19 41 183 545 1080
3 20 40 198 590 1169
4 21 39 215 641 1269
5 22 38 234 697 1381
6 23 37 254 757 1499
7 24 36 277 826 1635
8 25 35 301 897 1776
9 26 34 327 975 1930
10 27 33 356 1061 2101
11 28 32 388 1156 2290
12 29 31 423 1261 2496
13 30 30 462 1377 2727
14 31 29 504 1502 2974
15 32 28 551 1642 3252
16 33 27 602 1794 3553
17 34 26 659 1964 3889
18 35 25 722 2152 4261
19 36 24 792 2360 4674
20 37 23 870 2593 5134
21 38 22 957 2852 5648
22 39 21 1054 3141 6220
23 40 20 1164 3469 6869

Premium for Atal pension Yojana for pension of Rs 5000

Sn Age Vesting Period Monthly Quarterly Half Yearly
1 18 42 210 262 1239
2 19 41 228 697 1346
3 20 40 248 739 1464
4 21 39 269 802 1588
5 22 38 292 870 1723
6 23 37 318 948 1877
7 24 36 346 1031 2042
8 25 35 376 1121 2219
9 26 34 409 1219 2414
10 27 33 446 1329 2632
11 28 32 485 1445 2862
12 29 31 529 1577 3122
13 30 30 577 1720 3405
14 31 29 630 1878 3718
15 32 28 689 2053 4066
16 33 27 752 2241 4438
17 34 26 824 2456 4863
18 35 25 902 2688 5323
19 36 24 990 2950 5843
20 37 23 1087 3239 6415
21 38 22 1196 3564 7058
22 39 21 1318 3928 7778
23 40 20 1454 4333 8581

Can Government Employees open Atal Pension Yojana Account

Yes Government employees can open it but will not be eligible for the government contribution on this account

Important Atal Pension Yojana Features

If a subscriber Joins APY and opts for a 5000 pension plan and pays his premium as mentioned in the chart then he will start getting rs 5000 pension till he is alive after attaining 60 years of age. After subscriber is dead then his/her spouse will get the pension amount that subscriber was getting.  After both are gone then Nominee will get the corpus amount of rs 8.5 lakhs.

Atal Pension Yojana Form

You can use and download APY Form using Atal Pension Yojana English Application form Link. Nominee details are very important in this scheme. Spouse  is considered to be the default nominee so please make sure you make nominee other then you spouse.

Please use this link to download Atal Pension Yojana Form in Hindi

Can a subscriber close his APY account 

Initially it was not possible but after getting reviews from people government have allowed closing of APY account in between. You will have to give a closing application in the bank to get your account closed. Banks will refund all your investment with interest. You will have to pay a small penalty to avail this facility.

Tax benefits in Atal pension Yojana.

So the great news is in, now you can avail the same tax benefits in atal pension yojana as you do in NPS ie now you can claim the premium paid in this scheme under section 80CCD.

Atal Pension Yojana (APY) VS New Pension Yojana (NPS)

1 The maximum age limit that one can join is up to the age of 40 years. Here one can join up to the age of 60 years.
2 NRIs cannot join this plan. NRIs can also join this plan.
3 Here, the pension is paid monthly which ranges from Rs. 1,000 to Rs. 5,000. Here, half of the pension amount is paid after the beneficiary retires and then he/she receives the rest amount in monthly payments.
4 Premium amount can be claimed under 80CCD There is tax benefit and beneficiary can avail tax benefits of up to Rs. 50 lakh.
5 Here withdrawal cannot be made before maturity, unless there is a special case. Here the beneficiary can withdraw the amount before maturity.
6 Here, unique PRAN number is not provided. A unique PRAN number is provided to get accessibility all over the country.

Some Interesting APY facts

  • You should have savings bank account if you want to opt for this scheme.
  • Swavalamban Yojana would automatically convert into APY
  • Aadhar Card is not mandatory while applying for APY but would be required at the time of payment.
  • You can opt for a pension plan but switching the plan after opting it possible only once in a year. But the Procedure of the same is not known.
  • The Pension that you will get after completion of term would be taxable.

Also Read

  1. Suraksha Bima Yojana
  2. Start Up India Stand Up India
  3. PM Kaushal Vikas Yojana
  4. Gold Monetisation Scheme
  5. Mudra Loan Yojana

  857 Responses to “Pradhan Mantri Atal Pension Yojana (APY)”

  1. I am venugopal from ballari Karnataka. I want to know one more thing…… now BJP government is there, but in future no guarantee…. when the pension claiming, other government came and exist ? is it helpfull or not…..

  2. I am state Govt emp.
    (1) What is the difference in corpus and pension amount between govt emp and non govt person. Please clarify.
    (2) I am not going to get govt contribution. What does it means?
    (3) Is there any difference in pension and corpus for govt emp. and others?

    • 1) Pension amount would be same, Corpus amount may differ but will be very nominal difference.
      2) Read the government contribution section of this article.
      3) same as question 1

  3. HI SIR ,


  4. Checked with Axis bank to open Atal Pension yojana but the reply from them is they have not received GR yet. Please guide


  6. Kindly clarify if i’m eligible if i pay income tax and covered under statutory regulations, if yes what are the criteria to join this scheme

    • income tax payers can join atal pension yojana. If your age lies in between 18-40 then you are eligible.

  7. Sir i have heard that the tax payers cannot get join with this apy
    I wants to confirm that is this true
    And i m a student and i have my pan card so shall i joint my account with apy

  8. Sir in near future if i become a tax payer then can i get use of fecility of apy

  9. respected sir,
    my wife apply in APY and nominee is husband.
    what process change nominee

  10. Suppose, I opted for 5000 pension and I die after 5 years of installment. What will happen? Will my wife get 500 pension per month straight away? Also 8.5 lac will be given to nominee after wife death?

    • in this case all your amount with interest would be given to your wife if alive else your nominee.

      • It means if i die without completing 60 years then my wife will not get pension and nominee will not get Rs. 8.5 lacs if wife is not alive. Kindly make it clear as some bank is saying that it does not matter wheter you alive or die during these 60 years your spouse and nominee will get pension/ amount depends on sheeme you choose.

      • no your dependents will only get the corpous amount(calculated at the time of your death)

  11. Hi

    My mom DOB 28|08|1962
    HER AGE IS 52 ten months


  13. i have submitted by atal pension form on 2nd june 2015 to sarastwat bank kamothe they have still not open my account stating that the scheme is still not in force .please help.

  14. Dear Sir, I am in 30% income tax bracket and is over 40 yrs of age. My wife is housewife and 38 yrs of age. Can I enroll her under this scheme? She has valid PAN and bank account but she is not working/earning.

  15. Sir, I am Madhu, If the subscriber of APY dies after 60 years of age and if the subscriber nominee is his child. Upto how many years (after the death of the subscriber) the child get the pension every month.

    • If subscriber dies after 60 years then his/her spouse will get the pension if alive. Nominee gets the corpus amount after both subscriber and his/her spouse are dead.

  16. Hi,
    I am 24year, salaried person but my income tax is zero in last two years. I have an LIC policy(new jeevan Anand) and Rs. 12 pradhan mantri insurance policy.

    I want to know will government contribute as I don’t pay income tax and non government employee?

    • do you have an epf account? if yes then government wont contribute. If no then yes you will get government benefits.

  17. When I contacted Union Bank of India, Kottayam branch on June 29th, they informed that they didn’t received any notifications regarding Atal Pension Yojana.

  18. My date of birth 26-08-1975,eligible for atal pension yojana scheme,deposited amount in any bank

  19. Hot cancel and get the money back to my account. I have paid 2 instalments and want to cancel now. Please help…….

  20. Sir,

    Can we open seprate accounts for Husband and Wife? After 60 will both be eligible to recieve pension.

  21. Meri age 29 year hai,5000 pension ke liye 529/- per month pay karna h, mujhe pata karna hai ki ye same amount 529/- mujhe 60 year tak pay karna ha ya ye age ke hisab se per month change hoti rahegi
    like- 30yr to 577/-
    31yr to 630/- every year this amount change or same
    if I die at the age of 61 or 62 then what will happen scheme will contiu to my wife or not
    & if wife also expire then.
    if I die at the age of 51 or 55 then what will happen scheme will contiu to my wife or not
    & if wife also expire then.

    • Your premium amount would remain same. In case you die after 60 years then your wife if alive will get your share of pension. After you wife expires your nominee will get rs 8.5 lakhs. If you die before 60 years then your nominee will get the amount you have deposited with interest.

      • I am also 29, there is a premium of Rs.529/pm for 5000 pension.

        if I die at the age of 50 then what will happen scheme will continue to my wife or not
        & is she liable to pay premium for next 10 years ?

        if both husband and wife die at the age of 70 or 75 then what will happen scheme will continue to nominee (children) if they get the 8.5 lakh amount ?

        I think there should be a proper training for Bank employees interacting with us. They confused us a lot and don’t know the exact scheme properly. They told me that if i got the pension and died at the age of 61 (both husband and wife) Children (nominee) get nothing, Its all bullshit if its right. Plz answer. I only continue with it if there is a provision of nominee 8.5lakh amount after or before death of parents.

  22. APY plan seems doesnot have any insurance coverage incase of death.

  23. If you are saying for tds deduction they are giving you interest @ 8.5% and in APY person is getting 8 % so this means this is already tds deducted amount.

    Secondly the person who are not falling under TDS criteria, they are more interested in this scheme.

    There should be one change in this scheme that if any person die before 60 years than this account should remain active and the nominee should get pension immediately after death of the subscriber. In this case you can set the half amount of Pension. Suppose any subscriber apply for Rs 5000/- pension scheme and dies before the age of sixty his wife or nominee should get at least pension of Rs 2500/- per month immediately after his death.

  24. I am a house wife ,I have no Adhar card but i have pan card ,voter i card and passport. can i apply for Pradhan Mantri Pension Yojana,Can i apply for this Yojana.

  25. I have submitted 2 applications myself and my Wife , mine application was processed but her application for atal pension yojana is still pending from last one month. Initial they processed my application after complaint to axis bank The bank does not want to promote these scheme, some action has to be taken.The application was submitted in Civil Lines Branch, Jaipur.

    Sachin Kothari

  26. Sir i am 33 i want to know that if i want Lum sum amount after my age of 60..this is possible or not???

  27. Sir
    Till now my adhar card not available. But Voter ID & PAN card present.
    My Bank (BOI) told me that I can’t applying the “atal pension ” scheme without adhar.
    I crossed my age limit in Nov -15. Please suggest how I apply these schemes.

  28. I am income tax payee can i apply for atal pension scheme

  29. sir,
    meri age 29 sal ki hai,5000 pension ke liye plz mjhe btao ke mujhe monthly kitne paise dene hoge, or kitna time
    or sir main handicaft b hu plz give me ans

  30. sir,

    I am 34 years old, If i opt for 5000/- per month pension scheme at the age of 34, then I have to pay monthly installment of Rs. 824/-. My question is that monthly installment of Rs. 824/- will be change year wise or it will remain same i.e. Rs. 824/- because i have opt this scheme at the age of 34.

    My second question is it possible that husband and wife both can avail this Pradhan Mantri Atal Pension yojana and can nominee each other?

    • your monthly pension premium would remain same till throughout. Answer to your second question is Yes

  31. What is Govt. contribution on this scheme?

  32. Is Adhar card mandatory for Atal Pension Yojana. I am yet to get the Adhar card, however would like to start the pension scheme for self and spouse. Please advise.

    • According to supreme courts order Aadhar card cannot be mandatory for availing any government scheme. Thus aadhar card is not required to avail apy as of now.

  33. My age is 32 year and if I will pay in next 5 year in APY; after 5 year my financial condition will not allow me to contribute in this scheme then my deposited amount will be refundable with interest or not; please advise
    Akhil Dixit

    • government has not come up with a clear statement on this scenario. As of now you cannot stop this scheme in between under normal conditions.

  34. From where we can ask for money after 60 year completion

  35. My date birth is 16/05/1973.I want to join the pension plan.

  36. Hello Sir,

    My question is if both me and my husband do two apy plans for 5000 rs pension but say i will die before or after 60 years, then my husband can get 10000 as pension or only 5000 and nominee will get the corpous amount.
    In that case cant my husband get that corpus amount?????

    Sir one more question is now i am at bangalore, suppose after aometime in near future i go to my native state odisha and settle there and i create a new sbi account in that branch…in that case can i cpntinue this apy in this account or i have to close this bangalore sbi account, if anyone creates 2 account in same bank is there any peoblem will be created ???

    • Case 1) If you die after 60 years and then husband is alive then he will get rs 10000 as pension and after you husband dies then your nominee will get 1.7 lakhs (your and your husband share)
      case 2) If you dies before 60 years then your husband/nominee will get the amount that you have deposited with interest.

  37. Sir I am a central government employee. Can I fill up form of ? Apy

    • yes central government employees can join atal pension yojana but you will not get the governments contribution.

  38. Sir,
    I would like to know that in between 18 to 60 years, if pension holder is expired then what is the benefit of the nominee.

    Warm Regards

  39. Dear Sir,

    – My age is 36yrs ( how much premium should i pay to get pension of Rs.5000)
    – Till how much yrs i have to pay the premium amount.
    – Is this facility available for ICICI bank.

    Thank you

    • your premium is rs 990 per month
      you have to this premium for 24 more years.
      yes ICICI bank offers atal pension yojana

  40. ICICI is avoiding account holders to open this accounts and trying to market their products by confusing the customers so its beeter to goto other banks

    • Yes..I am also facing the same issue.I ahve my account in ICICI bank for 15 years..they are saying corpus amount will not be given which is misleading. B’se of these kind of misleading info, we are not able to decide. May I know in which circumstances the corpus amount will be given?.Please share all the possible situations.Thank you

  41. what if my nominee is my wife ? will my kids get the 8.5 lakhs on not ? if my kids dont get th emoney then i need to change teh nomnee to my kids so tell me how to change the nominee

    • yes your kids have to be nominee to get rs 8.5 lakhs as corpus amount in atal pension yojana. Walk to your bank to change the nominee.

      • The bank says , there is no provision in their website for changing the Nominee. Can you please provide the details how and where the nominee details have to be changed.

  42. Where I will get APY Certificate and where I will collect the pension amount.

    • there is no certificate provided by banks as of now if you would enroll in atal pension yojana. Banks would credit pension amount in your accounts.

      • Is there any profs or card will be provided? I have not received anything as of now but SBI is saying that certificate will be couriered by Govt agency directly.
        I am little bit of worried on what happened post 60 yrs on this investment.
        Also please let me know if there is any way to withdraw this scheme.

  43. If applicant of APY die before 60 year then what benefit provide to spouse / nominee.

    If applicant & her spouse both die before 60 year what benefit to nominee.

    If applicant want to change his / her bank in future how it will be done.

    • spouse in this would get the amount deposited with interest. If applicant and wife both die then as nominee will get the amount deposited with interest. Bank change in atal pension yojana is not clear.

  44. sir,
    my wife is 36, i am 41 . only she can apply or even i can?
    where to we deposit this form?

    • Only your wife is eligible for this PM Pension Scheme. Please walk the bank in which you have a savings account and submit apy form to get your wife enrolled.

  45. If me and my wife opt for 5000Rs pension per month.

    1) If any one of us die before 60age then what will happen???

    2) If any one of us die after age of 60 then what will happen.

    3) If I am paying premium monthly as for pension of 5000Rs. If I keep on increasing premium every year by 1000Rs pm then how much pension I will receive after the age of 60.

    Please inform.

    Akash Salunkhe

    • 1) In this case survivor will get the amount deposited with interest of his partner
      2) Then Survivor will get a pension of rs 10,000 and nominee will get the corpus amount of rs 17 lakhs when the remaining survivor dies
      3) You cannot do this in Atal pension Yojana

  46. Sir,
    i want to take the benefits of APY. we can take the benefits only in 1st june 2015 .

  47. Sir,
    mera age 30 runing hai, pension k liye me jo premium jama karunga, 5000 pension ko chhod k jama kiya hua paisa hume kab milega tell me please.

  48. Sir.
    I have not received the PRAN number since 23 May 2015. I have the reference number from SBI. But the PRAN is not yet received. Kindly help. What to do ?

  49. Hi,
    My Self Sadiq iam Workind in NGO company can i eligible for Apy

  50. Sir i am income tax payer and as per your reply answers i can join atal pantion yojna but i will not get only government benefits, my quotation is can my wife also join this yojna, she is house wife.

  51. Sir , I have opted for 5000 pension and when i turn 60 years my corpus would be worth around 8.5 Lakhs.Suppose if i live till 80 yrs and my wife lives 8 more years as she is younger to me by 8yrs the total pension that we would be taking is for 28 yrs.In this case would the governmnet be paying us only 5000 rupees a month and keeping our corpus amount of 8.5 L for 28 years ? if they are keeping it for 28 years then would they be giving our nominee a amount of 8.5 Lakhs or the quarterly compounded value of 8.5 Lakhs for 28 years ?

    • it would be 8.5 lakhs after both of you die.

      • Thx then this policy has dual benefits , one is it would be providing pension to me and my wife and later support my kids with financial support for carrying out our last rites.

  52. Hii,

    Suppose in future we are not using our ac and we need to close our ac then can we transfer our atal pension yojana to our another ac?

  53. Sir
    APY me jama kiye hue amount hame return kab milega penssion ko chhod k

  54. sir i want to know how much time we have to take this policy and can a 39+ person can take this policy…


  55. Sir After the downloading and filling the form I should directly go to a bank or should i send it to the branch ? I am planning to have my ICICI bank account for Pradhan Mantri Atal Pension Yojana

    • Few of my readers have commented that ICICI bank is not accepting APY form. I cannot give the guarantee of this information. It would be better you talk to customer care of ICICI bank before taking any action.

  56. sir

    I am 40 years completed only after july 20th. i can start apy?? and one more doubt. if we get back our amount after 60 years for daughters marriage or the amount will not be refundable??? if we do not want the pension after 65 we can get the total amount ????

    • yes you can apply atal pension yojana. There is no provision to get the corpus amount to the subscriber. Subscriber and his/her spouse will get the pension and their nominee will get the accumulated corpus amount.

  57. Sir,
    Please clarify the following:
    1) Presently I am non tax payer and don’t have an EPF/PF account.In future If avail the facilities will this scheme be invalid?
    2) Once I join the scheme how can I withdraw in future in case I want to at that time will I get the money that has been deposited till withdrawal date
    3)My freind has joined the scheme he got his SBI account debited and also got a reference no and PRAN number but when he checked the same in website there were no details.Is it fake?

    Please kindly reply will be useful to others also.

    • 1) Tax Payers can also avail this scheme so it dosent matter
      2) You cannot stop atal pension yojana in between under normal conditions. But if you are severely ill then it is allowed.
      3) I am not sure about your friends case.

  58. but sir, as per given above instruction in “How to get Atal Pension Yojana?”, ADHAR CARD is compulsory. Is it?

  59. dear sir/mam,
    if i start APY in my saving account, then if i want to change my bank branch. then after, will my APY continue?

  60. Can we change the nominee’s name later..

  61. Sir

    How to start this scheme? ?.

    Somewhere it is written that last date is 01 June 2015, Is it true???
    So government dont want all citizens to get pension, what will happen to upcoming generation who will attain age 18yrs. Or this scheme is first come first serve basis.
    This scheme should be kept open fr life time. so that anyone can avail this scheme.

    I have accounts in two banks ICICI n Axis.

    ICICI told me to check online to avail this scheme n also informed that scheme is closed now.
    Axis told me that they have not yet received the circular. please inform how to get this scheme.

    In this scheme can I opt fr 10000Rs pension fr myself by paying more premium monthly. Plz inform.

    Akash Salunkhe

    • there is no last late of atal pension yojana
      You can call the customer care of ICICI or Axis bank to get your self enrolled.
      maximum pension as of now is rs 5000. If you are married then you can apply it for your wife also to get a combined pension of rs 10,000

  62. Dear Sir,
    I want to know about Atal penssion Yojna. Now I m in 27 years old many years will pay money. Can I start any private bank Axis, Hdfc~~~~.please inform me.

  63. I am 27 yrs young wana enrolled APY atal pension scheme as per information detail am not married to whom I’ll be add for nominee. Could you reply for that. In case add younger sister,after marriage shall I add to my wife as default nominee????? Please reply soon.

    • you can change your nominee any time. You can make your kids as your nominee and wife by defaults becomes nominee in this yojana.

  64. Sir,
    My age is 30 yrs so I have to pay the premium Rs.577 (for Rs.5000 after 60 yrs.) monthly or yearly???

  65. what is last date for enrollment ?

  66. my name is Amit , I m 26 year old . my question is

    1) can I join apy after 2 years.
    2) can nomenee can be changed any Time i.e aftet 5 years
    pls rpy

    • 1) Yes you can join atal pension yojana after 2 years (since your current age is 26)
      2) yes nominee can be changed any time in apy

  67. can I get Atal pension yojana on my pmjdy account

  68. hi…
    i have a saving account in SBI with internet banking.
    any online registeration available through internet banking on sbi for this pension scheme…?

    • SBI should come up with online facility for atal pension yojana in future but currently they do not have this.

  69. Respected Sir/Madam
    With due respect I would like to say that I filled a form for Atal Pension Yojana in SBI with correct information but after few days I got a message that Rs 376 was deducted from my account which was not correct as my age is 27 and the deduction was for the age of 25 when I went to my bank they said the date of birth in my account was 3/9/89 and hence the amount deducted was Rs 376. they asked me to fill the KYC form and even blamed me that I filled my date of birth wrong which is absurd and impossible but after listening to that I submitted my KYC with copy of my passport and they said my APY will be corrected and after I went to my bank I was astonished bye the behavior of bank employees as they said nothing can be happen and there is no problem with wrong D.O.B. When i requested them that we should comply by law of the land they started lingering me and I am now writing you this to get help from your side and the concerned authority. The ifsc code of my bank is SBIN0010079.
    Monarch Sharma

    • you can call the customer care of SBI and lock and official complaint regarding this. You can ask or search the email id of branch manager and can email the complaint. This process may take time but will reap you result.

  70. iam not eligible for atal pension scheme but i have paid amount how are the deactivate
    please give the suggestion

  71. My age is 40 Year 5 Month am I eligible for Atal Pension Yogna

  72. Hello,

    1. If person’s age is 35 year and one month then what would be monthly amount he/she has to pay to get 5000 after 60.
    2. If person’s age is 35 year and 11 month then what would be monthly amount he/she has to pay to get 5000 after 60.

    If for above both cases premium is going to be same then should that person wait until he/she just turn before 36 ?
    Or there monthly premium will vary for age like 35 years 1 month, 35 years 2 month, 35 years 3 month..etc.

    • 1) rs 902 per month
      2) it would be same as above.
      in the second case you will have to pay your premium for 10 more months.

  73. how to deactivate atal pension bima yojna ? i have not deposit any premium or payment. so sugges for deactivate atal pension bima yojna ?

  74. Sir,
    If husband and wife both have taken this facility and one get died after 60 age ,then will left one get the both pension or he/she will get the fixed amount.
    If one died before 60,then spouse will get the amount or nominee

    • if one dies after 60 years the other will get others share of pension along with his own. If one dies before 60 then other will get the amount accumulated by other with interest

  75. If husband and wife both have enrolled and one dies after 60 then he/ she will get both pension amount or will get fixed amount

    • other person in this of atal pension yojana will get the pension. I mean he/she will get both the pensions.

  76. Dear sir

    Amount for my Atal pension yojana is deducting from IDBI bank i want to sift it to SBI can it possible, if yes what is the procedure.


  77. Sir

    Is it possible to change the nominee after submission of form.
    presently i have no child.
    but soon I will be mother.
    I want my child as nominee

  78. My date of birth is 22.05.1981 if i am opting Atal pension of 4000/-month for how many years do i have to pay the premium and what will be the pension per month if i am eligible to take 8.5 lak after 60 years

    • for the first part of your question you will have to pay the premium of rs 824 per month for around 26 years.Can you please clarify the next part of your question

  79. Sir,if both husband and wife are working.
    Can we seperately open APY.

  80. what the guarntee atal pension yojana in future …is work . customer have no one any document related jan yojana

  81. Is it possible to add or change the nominee after 1 year of joining or in the middle in this pension scheme?

  82. ”any member of a statutory social security scheme is not eligible to get the governments contribution for this pension scheme. But he will get all normal benefits of Atal Pension Yojana”

    please explain about this

  83. Sir, i have 2 question.
    when atal pention yogna will start, because in axis bank kalol asked that this yogana not to be started.
    And second – I have joint account with my wife, i can open seperate yogana for both or not?

    • Axis should have started atal pension yojana. You can call the customer care of axis bank to get yourself enrolled. In the joint account case the person having the first name can apply for apy. Person having the second name need to open a separate account.

  84. Just a single question. What do they exactly mean by this line?

    After both are gone then Nominee will get the corpus amount of rs 8.5 lakhs.

    Who gets this amount and when?

    • Suppose you have enrolled in Atal pension Yojana. You will start getting pension after you have turned 60. After you die then your spouse will continue to get your share of pension. After both of you are gone your nominee will get the corpus amount which is rs 8.5 lakhs for rs 5000 pension plan.


    • you should get an sms as soon as you are enrolled in atal pension yojana. Since this is a new scheme the sms function may not be working properly. You can call the customer care of the bank to ask this.

  86. When is the last date to enroll APY?

  87. Hi Team, I have an existing NPS account with Tier-1 as I work for an IT company. Recently I applied for APY in Axis Bank. While entering the details on the site, the bank official entered my existing NPS account number in the site as it is mentioned, if you have an existing NPS account, please enter the PRAN number. However, what I am confused is, the receipt which the Bank has given me has a new PRAN number in it. When I asked about it to the Bank, they said, this is the standard print format from NPS site made available to the banks and we need to check with APY on why a new PRAN number is shown in the receipt. One thing I can confirm is the Bank official has entered my existing PRAN number in front of me in the site. I am witness to it, but still I got a new PRAN number. Can you please help me understand if there is any problem with this and will I be able to view my APY details online in the NPS website along with my existing PRAN number? Please advise.

    • I am not sure about this. You can lock your complaint in axis bank regarding the same.

      • Sagar – Can you please put the solution here what you have got from the bank? It will be really helpful for us.

  88. Sir.My age is 39.I am applying this pension scheem in SBI bank,baguihati dhakshinpara branch.Here you have written default nominee is my husband and give the another name of nominee inthis scheem.This information I did not know when I fillup the form.I already submitted the form ,where I written the nominee name my husband.As husband is by default nominee .So can I change the nominee name in my APY.,If yes Please advice me,If not then what happened after our death .Please Answer this.
    Thank you.

  89. Say i am joining this scheme for Rs.5000/-, and the current age is now – 35, so i will pay the amount of Rs.902/- p.m i.e. yearly 10,824/- p.a. and it will continue for 25 yers long. But if may it will happen that i or my family cant pay the amount further after 5 or 10 years. then what will happen with my deposit money ??

    • if in future you suffer from some critical decease then you can request your bank to stop this scheme and get your money with interest refunded. In other cases you have a buffer time of 2 years in which you can replay your money. You can opt for a less pension amount if you are not sure of your future finances

  90. Kindly clear below queries :-

    1) Now my age is 34 yrs. If i unable to continue after 15 years what happen then?

    2) I want to get lump sum amount after 60 years age, it is possible or not?

    3) After my death (age of 65 yrs.), Nominee will get lump sum amount of Rs.8.5 lac?

    4) Any Critical or Urgent situation will come , then can i get the deposited amount with interest at that time?

    • 1) If die to medical reasons you are not able to continue then you can stop this scheme. Otherwise you cannot. You have a buffer period of 2 years in which you are allowed to repay after then account is frozen
      2) No this is not possible
      3) After your death your spouse if alive will get your share of pension after both of you die then your nominee will get rs 8.5 laks for rs 500 atal pension plan.
      4) I could not get your point, can you please elaborate

      • Kindly clear my query :-

        1) After account frozen what is the procedure to getting my principal amount & when?

        2) Any critical situation (like:- Daughter marriage/Family medical expense) will come, then can i received the amount which i already pay.

      • 1) Government has not disclosed much about the frozen Atal Pension Yojana accounts
        2) Subscriber can request for a discontinue in case of any serious health issues.

  91. Can i deactivate the atal pension yojana?

  92. Dear Sir, I was looking for this reply. My questions is , how? How do I make sure that the PRAN for my Tier 1, Tier 2 and APY are the same ? Will the APY module of the bank sync this info with PFRDA and make sure they remain unique? Or the NPS subscriber will have to write to some authorities to make sure that they stay unique.

    • i do not have the answer to your question that is why i just approved it so that if any other reader have any such kind of situation he could comment and let us know.

  93. Dear Sir, I subscribed for APY on 29th June 2015 at my SBI branch. I have requested the debit of the premium on every 2nd of the month. The branch promptly entered all my details in the APY module of SBI. Since I already have a NPS Tier 1 and Tier 2 account and is currently having a PRAN. I also informed the branch of the PRAN that I already have. But till date the premium has not been deducted, neither I have been sent any SMS of a new PRAN or enablement of this scheme. Will the PRAN for APY be a new one or will it be merged to my existing PRAN containing Tier 1 and Tier 2? SBI has entered in APY module, but how do I know if the CRA has alloted me a new PRAN or done somthing with my old PRAN. The Bank is unable to say anything since they only know to enter the data in the APY module and know nothing beyond that.

  94. My daughter is student. She has opened Atal Pension Yojana a/c with BOB. Can you tell me if she get the job with Govt.organization then how this APY will function for him ?

  95. dear sir i had joined Atal pension Yojana scheme last month but still the amount was not debited for the month from my account…i asked my home branch bank they i didnt aware about the details..kindly clarify me when the amount was debited every month

    • since atal pension yojana is a new scheme so even banks and we are not aware of these initial glitches.

  96. Can I change nominee name after applying or after few years and before 60 years.

  97. I want to opt for the pension scheme but my account is zero balance account in the scheme of pradhan mantri dhan jan yojna and the bank officials are saying you cannot opt for the pension scheme if it is zero balance account. Is it True?? Can’t we go for the pension scheme with zero balance account??

    • Atal pension yojana would require a monthly debit of certain amount each month for a long time. So you should have some balance in your account for auto debit to take place.

  98. Sir,

    I deposit first month instalment for APY. But i want close this plan. How to close this plan? bez every month auto deduct from my account

    waiting your reply

    antony martin

  99. I want to Rs. 15000/-pension in APY , can I obtain this amount after paying triple premium in this Atal pension scheme

    • no this is not possible. You can apply for you and your wife to get a combined pension of rs 10,000

  100. 1. I am homemaker and i am 31 yrs can i start Atal Pension scheme?
    2. My husband and me both are able to start i mean per family 2 account will be able to start?
    3. I have 2 kids in nominee shall i write one kid name or shall i write both kids name?

  101. Sir, As 30-40 years time is quite long,if the Govt. changes,
    then would this scheme still continue?

    • Since government of India is the guarantor of this scheme so even if a there is a change in power they cannot overrule the previous schemes. They may not allow new apy subscribers but they have to fulfill the already enrolled persons.

  102. Iam Unnikrishnan.A.R from Attingal kerala,

    My DOB is : 25-march- 1975. (40 years)
    Need 5000/- atal pension yojana – pls advise Premium : __________
    Will pay from this year – 2015
    Advise No. of years to pay ____________ upto _______ Year
    Pension will start From which year __________
    Government Contribution:_________?
    I visited my bank here they said I am not eligible for this APY. why I don’t understand. In this scheme they said minimum 20 years & maximum 42 years of premium payment that means age between 18 & 40.if I join now I can finish 20 years of premium payment then why I am not eligible for this APY. please give me the guidance on my e-mail.

    • according to policy document you should be eligible for atal pension yojana. But banks and even customer care sometimes have different versions. I would request you to please call the customer care of the the bank to discuss this.

  103. i have activate by amt of. Rs.1000/ p.m. But want to increase this amount.what do i do now??pls rply

  104. Sir, please clarify the following quarries:

    1. Is there any provision to change the nominee name?
    2. If yes, kindly provide the procedure

    • 1) Yes you can change the name of the nominee any time
      2) Please walk to the bank in which you have atal pension yojana account. They will ask you to fill the nominee change formalities.

  105. Request to give the Customer Care Number of APY

  106. Can I get to know the Mode of Re-Payment for Pension Paid after 60 years.
    Also If I and My spouse dies how and will the Nominee get corpus amount of Rs 8.5 lakh I mean what is the Repayment procedure.

    • you will get the pension in your savings account in which you have deposited apy premium. You nominee will get the corpus amount from the same bank but the process has not been clear.

      • The process for paying the corpus amount is not clear then how to enroll for the same. Before enrolling we need full details of the scheme. reques to let us know the details for the same.

        One more query what will be the rate of interest paid on the amount collected if the subscriber dies before attaining 60years of age.

      • Hi Rutesh,

        Please call the official call center 1800-180-1111 / 1800-110-001 to get more details.


  107. May i know what rate of interest nominee (Wife) will get if i died before 60 years???

  108. Hi, I have applied for Pradhan Mantri Atal Pension Yojana
    and it got activated also, i have a received an SMS and amount also got debited

    But i didn’t received any kind of acknowledgement for the yojana

  109. If any person leave this scheme after some year than amount of his deposit is returned or not

  110. Dear sir,
    I am a income tax payer,

    1, am elligible for this pesnion scheme ?
    2, as said tax payers won’t get government contribution , please clarify about my returns

    • 1) Yes Income tax payers are eligible for this scheme but wont get governments contribution
      2) You will get all the benefits mentioned in the article.

  111. Sir, my wife’s date of Birth is 27th May 1975, which means she is 40Yrs 2 months old as on date. Is she eligible to join the Atal Pension Yojna scheme? She is holding savings account in Punjab National Bank. Yesterday whe went to the Bank to enrol herself but she was told by bank staff that she is not eligible since she has crossed 40 Yrs.
    Please let me know sir.

    • as per government notification she should be eligible. But some banks and customer care have different versions. You can try SBI for the same.

  112. Sir,

    I can understand that the Plan holder would get monthly pension after exceeding 60 yrs and till alive but Please let me know what is the benefit my nominee would get after my death and what is after his/her death too?

    • subscriber will get the pension till alive after 60 and then his/her spouse will get the pension after that Nominee will get the corpus amount.

  113. Hello Sir,
    I am currently working in India. So, I hope I can enroll for APY. However, if after few months/ yeas, I move abroad for few years, can I still continue APY contributions?

  114. in case of husband & wife , if one person is die then benefits paid to spouse, if both die then benifits paid to nominee my question is that nominee is spouse or other person

  115. Dear sir/madam,
    I enrolled in APY last month in SBI and i got my PRAN number. I didnt recieve the 50% amount in SB account which govt needs to contribute.

    For information-
    1. I left column blank for the question whether you are enrolled in any social security schemes in the application form
    2. I dont have any pension scheme other than APY
    3. I have PPF Account in the same bank, but not in the same branch where i maintain my SB account

    Am i eligible for 50% contribution of Govt.

    Please Reply me.

    Thank You

    • Are you an income tax payer? if yes then you wont get the government contribution. Government have not clarified when will they credit the government contribution amount.

      • No i am not tax payer. Is there any other person who have received govt Contribution.

  116. I just want know the names of the bank associated with this atal pension yojna scheme.

  117. Dear sir,
    I am very much happy about this scheme and myself also joined to this scheme for my future life.
    Sir, in this regard I have small doubt that if I died before finishing the scheme period then the government will pay any fund to my nominee or my spouse should continue the contribution to the scheme.
    Sir, please clarify me on my above doubt.
    With regards,
    Mrs. Madhu praveen
    Karnataka, India

    • if you would die before attaining 60 years of age then you will have to the accumulated amount with interest would be given to your wife/nominee.

  118. Sir
    My age is 23 and currently Im unemployed. Am I eligible to join APY…?

  119. I submited my application for pension yojana in June 2015, still the debit is not done from my account. when will this start?

  120. Hello;
    i have opened APY scheme from June’15 on wards. My first month’s premium was deducted by State Bank of India (home location branch where I have opened the scheme) on 7th June’15 & I also received an acknowledgment copy stated that monthly deduction will be done on 7th of every consecutive months. but surprisingly in July’15 no deduction done on 7th though there were sufficient funds and no posting restrictions given in my linked SB A/C. i waited for next few days and when contacted the branch for not deducting the 2nd month’s premium they are also not able to help me in this regard.
    Please let me know the concern person / department where should I escalate the issue?

  121. kindly define mis happening before contributor turn 60. Also provide reference from official website of APY that in case of death of contributor before he turns 60, the amount that he deposited , will be given with interest to his wife/nominee.

  122. may kindly provide reference regarding participation of a worker of pvt company who contributes epf from his salary can also join to PM atal pension yojana.

  123. Dear Sir,

    My Name is Om Prakash age 35 . I had applied Atal Pension Yojan 5000 Pension Plan in State Bank of India HATIA Branch, Ranchi Jharkhand on 7/7/2015 My Ref. no- is XXX PRAN NO. is- XXX but not debited on My Account Rs-902 . What am I do.? Please Sujest

    Om Prakash

  124. My question is if i get a divorce and remarry later can I change the name of my spouse?

  125. I am separated from my husband for 5 yrs now,can I leave the space for spouse blank and mention my son’s name as nominee?

  126. I am a 18 years student.
    If yes then i contribute a sum of 210 per month after then am i able to get goverment subsidy in my account of “APY”???

  127. I join the APY scheme from June 15, & monthly premium already deducted from my bank account. Can I get any certificate’s from bank or government related to APY ? Pls reply…

  128. Sir my Question is
    agar mai APY mai contribution kar raha hu or 60 year se pahle hi meri death ho jaye to
    APY scheme chalegi ya nahi means
    meri death k hone par jitna Premium maine jama kiya hai uska kya hoga

    • in this case your nominee/wife will get the amount that had been accumulated in this account with interest

  129. My husband has applied for APY. Since its a pension scheme, does he get any documents which confirm that the scheme has started for him and is there any annual/quarterly statement as well?

    • banks can clarify on this issue. As of now it seems the traditional way of documentation is not followed in this scheme.

  130. Sir, I want to know that if I take this pension plan then can I able to take the benefits of senior citizen pension

  131. Sir,

    Does HDFC Bank provides Atal Pension Yojana

  132. I already have NPS account and PRAN Number. Can I still apply for Atal pension Yojana? If yes, can i use the same PRAN number.

    • Yes you can apply for APY, you can show your pran number to bank officials. One of readers of my blog said that a new PRAN was generated in APY. I am cannot guarantee about the same.

  133. Hello sir,

    Me private company me job karta hu, mera pf cutata hai..

    Lekin mene Atal pension yojana me apply kiya hai..

    Mene 2 din pehle apply kiya hai, muje us waqt nahi pata tha jinka pf katata ho wo apply nahi kar sakta hai.

    Muje ye skim close karni hai kyuki me eligible nahi hu.

    Uske liye muje kya step lena hoga ?

    Please advise.

    Thanking you,


  134. Sir/Madam

    I want to increase the amount of plan that I have selected. How can I do that? Awaiting your revert.


    • Government has not come up with a concrete plan to set up or set down atal pension yojana plans.

  135. The EMI for this plan given above in the chart is monthly or yearly, e.g., if I am 40, then the EMI 1454/- for the 5000/- monthly pension plan is monthly or yearly, please state.

  136. Sir plz tel I m income tax payer..I HV continued mi atal pension also….nw I wants to invest in ppf ..can I …wud it affect mi pension…Nd I HV opted yojna for 5000…

  137. Q1) If subscriber dies before 60 years, then is the nominee eligible for corpus amount?
    Q2) If subscriber is not able to pay monthly premium and want to take back the deposited money, should the subscriber wait until 60yrs?

    • 1) in this case nominee will get the account accumulated by subscriber with interest but not the fixed corpus amount
      2) You cannot stop this yojana in between.

  138. Most of the private banks are discouraging this scheme and its better to go for a nationalised scheme.

  139. Hi, i have a salary account with axis bank, can i open Atal Pension Yojana in this salary account?
    And my husband is in private company and tds is deducted from his salary, is he eligible to open the same account?

  140. Sir , presently I m serving in military service,on which penson stars at early age like at age of 40 year. It is also covers for both husband and wife. Is this pension scheme will affect anyway with the pension from military service age is now 38 and my wife is 35 . both of us want to take APY in individual name. Please suggest me.

    • Atal pension yojana can be taken with any other pension scheme. It will not effect the pension that you will get from army. Yes you and your wife both can take apy separately

  141. If a pension holder died after commensment of Pension, wheather pension amount received or not ?

    • in this case his/her spouse if alive will get the pension. When both are dead Nominee will receive corpus amount

  142. if i die before 60 yrs, my spouse and nominee did not want to continue or unable to continue, then what shall my nominee or spouse will get ?

  143. Dear, How to close Pradhan Mantri Atal Pension Yojana after 2 premium paid

  144. How to stop my contribution towards Atal pension yojna scheme, as i am a Govt. Employee.

  145. Hello Sir,
    As of now am not a tax payer. Down the lane after 2 years if I become tax payer will the government contribute to my pension account or-else they stop contributing to my pension account. Id the government stops contributing my account would my contribution towards my pension increases or remains the same also do I get my opted amount as pension even after the government stops contributing to my account.

    • Government will credit you a maximum of rs 1000 per year in your atal pension account for max 5 years only. Please read the terms and conditions to avail government contribution.
      Suppose you are not a tax payer and does not have an epf account then you will get this contribution in that particular year. If suppose you are out of the terms and conditions then you will not get the contribution for that particular year. But this will not impact the money received previous year.

  146. For how long an apy policy holder continue to get pension after 60

    • subscriber will receive atal pension account till he is alive. After his/her death spouse will receive this pension if alive. After both are dead nominee will get the corpus amount.

  147. Mere pension scheme join karne ke baad kuch queries mentioned below;-

    1. Premium kam se kam kitne saal jama karana padega?
    2. Pension meri wife ko 60 saal ke baad hi lagegi?
    3. Agar premium maine 1-2 saal jama kiya fir meri death ho gayi tab kya pension lagegi ya 1-2 saal ka premium interest ke saath wapas milega? Agar premium milega to kab tak milega? 60 saal ki age ke baad ya 1 saal tak ya jyada?
    4. Agar premium maine 5-10 saal jama kiya fir meri death ho gayi tab kya pension lagegi ya 5-10 saal ka premium interest ke saath wapas milega? Agar premium milega to kab tak milega? 60 saal ki age ke baad ya 1 saal tak y jyada?
    5. Agar premium maine 15-20 saal jama kiya fir meri death ho gayi tab kya pension lagegi ya 15-20 saal ka premium interest ke saath wapas milega? Agar premium milega to kab tak milega? 60 saal ki age ke baad ya 1 saal tak ya jyada? Ya iska koi aur process/procedure hai.
    6. is sab ke baare me detail me batane ki kirpa kare.

    • 1) Agar aapki age X hai to aapko premium (60-X) years tak jama karani hogi.
      2) Agar aap APY se enroll hote hai and aaki death 60 ke baad hoti hai to uske baad aapki pension aapki wife ko milegi
      3) is case mail amount deposited with interest aaki wife ko turant mil jayegi aapki death ke baad.
      4) same question
      5)same question.

  148. (1) I am an employee of Private sector. My Company deducted PF, at present iam not a tax payer. And also I am Joined in LIC plans.
    shall I eligible for this scheme

    (2) And aslo reply me, can more than one family member can join this scheme

    • 1) Yes you are eligible for Atal pension Yojana
      2) Yes all eligible family members can join APY

  149. My wife have no Aadhar card.
    It is mandatory (or) not for APJ

    • Aadhar card is currently not mandatory for enrolling in any government scheme including Atal Pension Yojana.

  150. SIR,

    I want to know that is income tax payer can apply for this scheme.
    and if no so wats the process to stop this scheme from my account .

  151. What if, this APY holder’s death occurs before the age of 60? What do the the spouse and nominee gets?

    • is atal pension yojana account holder dies before attaining 60 years of age then his/her spouse if alive will get the accumulated amount with interest. If spouse is also not alive then the amount with interest would be given to nominee.

  152. I am working in private company and have EPF account, but I have joined Rs 5000 scheme, will it affect my debit amount.

    • i could not get you question, can you please elaborate it.

      • I have joined Rs 5000 worth plan but I have EPF account, as per tnc I came to know that people who have EPF a/c will not be considered, should I cancel the joined scheme.

      • people who have EPF accounts can also join APY.

  153. meri age 29 he muje Pradhan mantri pension scheme 529 Rs. ka jo conribution krna he wo monthly hoga ya yearly


    • 1) Corpus amount if fixed as per the pension plan you choose, for rs 5000 it is rs 8.5 lakhs and would be given to nominee of all subscribers irrespective of there current and future economic condition.
      2) Pension would be taxable
      3) you cannot take any tax benefits of the APY premium contribution
      4) Interest on APy is still not disclosed.

  155. Hello Sir,

    I had opened an APY but later realised that I have PPF account and hence won’t be eligible for this. Hence I raised a request to discontinue my account. My bank raised a request for the same. Today, 5000 got deducted under for my APY account. How can this be possible. My EMI is 446.
    Please loon into this and resolve this ASAP.

    • Even PPF account holders are eligible for this scheme. So this cannot be the reason to discontinue APY. You will have to contact bank for any deduction related query.

  156. Can I change account number once given under the plan ?what is the process??

  157. Sir, I am a Government Employee and have pension after retirement. My age is 34 years can I open Atal Pension Yojana.

  158. sir,
    i had already deposited the atal pension yogana form on my bank since 22 June,2015 ,but till now pension amount is not yet deducted from my bank account.
    Bank Name-State Bank Of India
    Branch Name-SCB Medical Campus,Cuttack,Odisha
    Account Number-XXXX

  159. Respected sir

    if After 5 or 10 year i eligible for tax payer can i get the benefit of Atal Pension Yojana Pleas Explain

  160. I subscribed for Atal Pension Yojana on 19-06-2015 from State Bank of India, SBIXXXXX, Sagar road Branch, macherla Guntur Dist. AP. The Bank authorities gave an acknowledgement no.XXXXXX to me. after that I did not receive any information on APY. Plz guide me.

  161. I am a house wife, completed 39 years on May 5th 2015, am I eligible for this APY. And if I am eligible, If I have to get 5000 pm pension what is the monthly amount I have to pay and till how many years? Can I apply this online and can I do online payment thru my sbi account?

    • yes you are eligible for APY. Your monthly premium would be rs 1318 per month. you will have to this premium for 21 years. You can call the customer care of the bank to get yourself enrolled.

  162. Dear Sir,
    I want to enrol myself in Atal pension yogana now but the last date was in June . So can I enrol now?

    With Regards

    Bhabani Sankar Nayak

  163. Sir, I have NPS Tier I account and when I downloaded the APY form, it has a declaration which says “I do not hold any pre-existing account under NPS”. It seems, someone already have asked this question. Did you get any clarification, whether we can enroll for both NPS and APY and if yes, then how?

    • yes I had asked this question to customer care they said you can ignore that point. According to me just write a note in the application form that you already have NPS account and get a copy of that with you.

  164. sir, I hve a confusion regarding my premium i.e i have to sumbit my premium upto 40yrs or upto 60 yrs …plz clearify the confusion

  165. Hi,

    I have applied for apy in SBI on29th July and updated 1st Aug as debit date of premium. I have received the PRAN from bank but amount did not get debited neither I received any SMS from their end. Kindly advise.

  166. Sir,

    I went to HDFC Bank last month June 2015 and have enrolled the Pension yojana, however since then money did not debit from my account. When i am calling bank authorities they are saying request submitted.

    When i call government tool free number they are saying the process is with Bank? what needs to do here?

    Please let us know.

    • Yes tHe Bank needs to give you this required information. You can call the customer care of the bank and lock a complaint against this.

  167. Sorry to make many questions at a single stretch,

    1.If the policy holder expires before 60, will lump sum amount will be paid to nominee or spouse get the pension amount immediately or do the spouse need to pay premium for remaining term?
    2.If no premium deposited for 24 months, the account gets closed. What will happen to corpus accumulated?
    3.Is it possible to withdraw Lump sum amount / accumulated corpus amount after start of pension by self or by spouse due to death of policy holder?
    4.If the spouse and nominee are same, how will it work for providing pension to spouse and lump sum to nominee?
    5.Minimum 20 years we have to pay the premium, so if a person starts to pay premium at the age of 30 and expired at the age of 55 (paid premium for 20 years and stopped), will his spouse get the pension soon after his death or how it works?

    • 1) In this case the the accumulated amount with interest at that time in APY account would be given to spouse if alive other wise it woulds be given to nominee.
      2) Government has not clarified much on this.
      3) Answer same as 1)
      4) Nominee should be different from the spouse in this policy
      5) 20 years is the minimum period is for a person starting the policy at the age of 40.

  168. if i wish do quit from APY why i can not..? if i am not in condition to pay amount then what should i do ?
    can the amount of contribution decreased…?
    plz guide

  169. I have not got any pass book of Atal Pension Yojana, How will i get the pass book of APY

  170. Sir,
    I have enrolled for Atal Pension Yojana as well as Accident Insurance Scheme. I want to know that, if I changed my bank account (from Bank of Baroda to SBI) can the same scheme will get transferred to another bank or do I need to opt fresh for the same?


  171. Dear Sir

    I am closing my saving a/c and i want to change my bank a/c for deduction for apy is it possile?how?

  172. Sir i already taken a plan APY but which website my all information because no any single document to give me APY scheme. my a/c monthly deduction done.
    give me some website i search my a/c no. all the plan details show him.

  173. i have sbi internet banking, in sbi there is only jeevan jyoti bima yojana and suraksha bima yojana i couldnt find pension yojana and i am 21yrs old

  174. i have joined apy last 2 months ago but till today i haven’t receive pran card / kit

  175. Sir,

    I already enrolled in NPS scheme through my employer, I am eligible to apply for APY

  176. What will nominee gets if subscriber dies before 60 yrs

  177. Dear Sir,
    I have enrolled in atal pension yojna in the month of June 2015 but after filling application for enrollment same day i contacted to my sbi branch for cancel my name from this scheme (before deduction of amount from my account) as i found this scheme is not beneficial for my. The branch manager said me there is no option to cancel the enrollment and finally the amount is deducted from my account Rs 1318. I give written application for cancel my name from this scheme. but still i my name is not removed from the scheme and once again 1318 Inr deducted.
    Plz. tell me how to cancel the enrolment from this scheme. and how to get return the deducted amount in account.

    Rakesh Pathak

    • i to have this information that you cannot cancel this scheme. You can call the customer care of SBI and lock and an official complaint against it.

  178. I have submitted my Atal Pension Yojna form to my SBI branch in Barrackpore, West Bengal. After 20 days the branch is yet to take any action. The form is in the name of my wife and she is the first holder of the account. Since She will be 40 next month, the opportunity will be gone after that. How can you help regarding the same?

  179. My d.o.b is 29.06.1984 but wrongly in voter card it is xx.xx.1989 .it is correct in pan card 29.06.1984, premium is deducted 409.00 as per voter card age. My age is 32 they how can it corrected. and what can I do

  180. Dear sir
    i am pay income tax. i am open to atal penson yojana. any problem to me this yojana?

  181. Suppose my wife and I both enroll to atal pension yojana for 5000 rs. In case i die after 60years, would my wife get pension of rs 5000/month for her own contribution along with my pension amount of rs 5000/month (total – 10000)? or ?

    Secondly, if both die after 60 years and nominee for us is the same, in such case, will the nominee get corpus amount of Rs 8.5 lakh + 8.5 lakh = total 16 lakh? or ?

    Please confirm….

    Thank you in advance



    • yes if either of you would die then survivor will get both the pensions.
      if both of you die then your nominee will get rs 17 lakhs.

  182. Hello,
    I am a house wife & I would like to apply for APY. But I have a question that after attaining 60 years, the pension which I will get is it taxable for me?

  183. my bank has TO TRANSFER/ATAL PENSION YOJNA PRAN-XXXX whats does this mean…….is this no my pran no…..

    when i will get the receipts and documents for my contribution

  184. 1) Is this pension scheme available in State Bank of India ?
    2) How pension will be started after maturity this scheme to me ?
    3) Where to communicate about this scheme ?

    • 1) Yes apy is available in SBI
      2) Pension will come directly in your savings account.
      3) you can connect with any bank.

  185. Hi Sir,
    My age is 25 and i am a self employed running a small business and i want to take 5000 per month plan. I have few questions.
    1. For how many years i have to pay ?
    2. If i want to get my money in between then what is the locking period ?
    3. I am a tax payer so Gov will not contribute anything for me so will there be any extra charges ? because in chart it says 376 per month.
    Please reply me as soon as you can.

    • 1) since your age is 25 you will have to pay the premium per month for 35 years.
      2) this is not revealed by government
      3) no there will be no extra charge your contribution will be as per chart. ie rs 376.

  186. Respected Sir,

    It is being requested that the age limit from 18 to 40 should be relaxed upto 50 years should that the peoples between 40 to 50 may also have chance to join this yojana.

  187. Dear sir,

    My date of birth is 30/05/1973 and my husband is working in private sector ,sir we have no future planning can sir I get change to join APY

  188. Dear Sir,

    1. What is the maximum monthly pension an individual can opt for is it 5k or more than that?

    2. Is the pension amount and premium amount fixed as per the matrix above irrespective of interest rate fluctuations?


  189. Hi Sir/Madam,

    I have few queries as below:

    1. Can I have 2 different pension funds(from government) at a same time. And will I be eligible to get pensions from both the schemes?
    2. Can I register online to this scheme?
    3. If the government changes in between, will this pension scheme may get impacted.
    4. There is already a pension fund for senior citizens in which one has not to pay anything. So at the age of 60 will I be eligible for both the schemes.

    Thanks in advance,

    • 1) Yes you can have 2 different pension funds from government example NPS and APY
      2) There is no process as such currently to register online. But yes you can call the customer care of the bank to get your self registered.
      3) No it wont
      4) Yes you can avail both schemes.

  190. Dear sir,

    I have enrolled for atal pension yojna with State bank of India, Bangalore 2 months ago. The bank has given me acknowledgement also but there is no deduction of monthly pension amount in my account.

    The branch manager says the deduction will happen from SBI Head office.

    What should I do please help me.

  191. my father was a gov. employ. but three years ago he died. my mother is under 40 and she is getting his death pension. so my question is
    1) is she eligible for APY?
    2)If eligible then after joining APY will their any problem in getting her husband’s death pension or it will stop..? plz reply.

  192. Sir,I am unmarried my age is 38 so my question is whom shall i put as nominee and i dont want to put my family members so can i put my friend as nominee and secondly i want to know is ther any chart of corpus amount which will be paid to nominee after death of the subscriber. Pl reply me with my both answers.


    • this is a tricky question. Please call the customer care and get the official version of answer on that.

      • sir,
        I m work my own bussiness,can i elible for atal pension yojana,if yes then the documents required plz tell.


      • if you are less then 40 years of age you are eligible. You should have a live savings bank account and you are through.

      • i am an income tax payer and was not aware of the details of the policy , that govt. will not contribute if you are a tax payee. bank personnel just gave me a one pager and i was convinced that i will get the said pension of Rs. 5000 for the amount mentioned in the table for my age of 30.
        thus, the premium or monthly contribution comes for me is 577 .
        1.) will i get the said premium after 60 years .
        2.) i got aware with the other traditional plans of other banks and insurance companies which is giving a better return than the APY.
        3.) how can i stop the scheme as i was mis-sold the same ?
        4.) how can i get the refund ?

      • all the answers are provided in the previous comments

  193. sir ,
    Sbi bank me form submit car diy hai, wah payment bhi pay ho gaya hai, yadi mujhe kisi karad wash is yojana ko bandh (delete) karana pada toh kya karna padega wah kata hue payment returned account me aayega kya.

  194. How can I check my SBI Atal pension Yojana status?

  195. i m working in private company- Gitanjali, and PF is also deducted from my salary. so i eligible for this APY.

  196. What if the participating bank closes down? What happens to our money deposited and what happens to our Pension scheme?

  197. My wife Aparajita Ghosh has submitted the filled -up APY form to state bank of India, Station Road Branch, Jamshedpur and accepted about one month back. But the APY scheme is not yet activated.
    Please inform how much time does it takes and what will be proof that account is opened other than deduction of money from bank account.

  198. Dear Sir,

    I have 2 queries for APY –

    1. I am 32 year old. I have filled the form with nominee details. In future, if I will get married then nominee will get the benefit OR my becoming wife?
    2. I have applied APY from 2 different locations(2 SBI branch) for same account number. If the money is deducted from 1 branch then it’s possible that same amount will be deducted 2nd time by 2nd branch?

  199. Dear Sir/Madam,

    The process for paying the corpus amount is yet not clear then how can i enroll for the same. Before enrolling i should read and understand full details of the scheme.

    Also, in event of death before 60 yrs what amount my relatives/spouse will be getting

    only what I have deposited plus interest thereon then what is benefit to me.

  200. Sir,
    I have opened a APY account on Allahabad Bank Bamangachi Branch, Kolkata, some how from the bank they have done mistake on my Date of Birth which was 03-09-1983 but they made it 03-09-1985 so deduction per month making less, kindly guide me how to get rectification on my D.O.B as Bank Manager doesn’t know how to do this.

  201. Sir, i want to know that . If i apply for APY, for 5000 my age is 30 , and i am not income tax payer, but i have filed ITR for getting more than Rs 10000 interest in fixed deposit in bank,
    Suppose i deposit Rs 577 per month , and i get 5000/ Month pension,,
    i also here that the money which i deposit the same amount of money is deposited by government,it means Rs 577 + 577= 1154 per month for me .then can i get Rs 10000/month of pension,,

    Also what it means that
    “Government will contribute maximum of rs 1000 per year for first 5 years” i.e total only 5000 in 5 year or 1000 monthly per year , *5 = 60000.
    If i get government job i next 2 year then what will be the case

  202. Sir if some one has deposit APY for 5000 plan for 2 years,,if some one is not able to deposit for next 2 year ,, then what will happen for his deposit money ,, and if again he wants to restart after 1 year then what will be the case

  203. I have opted for APY , i have few doubts here , if at all a person Who opted for APY pays the monthly contribution regularly and dies before attaining 60 yrs.

    1) Does his/her spouce eligible for Pension ?
    2) If at all she is eligible to get that pension … does she need to attain 60 yrs to take that pention or
    3) Pension will be given to spouce right after the death of the husband ??

    If any one have clear idea about these, kindly clarify my doubts, It will be really helpfull if you can mail me personally.


  204. Is the Husband and wife both can apply for the pension,,,,,please let me know the condition is given case.

  205. In APY Scheme, DOB was wrongly feeded by Allahabad Bank and my contribution became wrong.I asked them to make it correct but they told me that they
    dont know how to do it.Please help me…

  206. dear sir i had joined Atal pension Yojana scheme 3 months ago but still the amount was not debited for the last 2months from my account…i asked my home branch bank they i didnt aware about the details..kindly clarify me when the amount was debited every month. i was called your tall free no buy cant satisfiend answer. they says we have no information about this what to do? pls guide me

  207. can i apply in the month of september 2015 or it is closed now .if yes when it will be open for public

  208. Hi Team,

    Could you confirm that, would I opt this scheme without go to the my bank branch… via online banking.

    Manikant Kumar

  209. sir,mujhe atal pension yojana close karni hai,kya karu.plz tell me.

  210. I have couple of question.
    1. I’m joined in this scheme in july 29, 2015 and the amount for that month, but for next month amount is not taken.
    2. every month will they take the amount only on 29 th or stariting of that month?
    in that case if sufficient amount is not in account means what will happen?
    3. is it possible to change nominee

  211. Respected sir

    my ata pension yojana (APY) Ac No Is (PRAN-XXXXXXXXX) has been activated but ECS not Debited in my Bank Ac i told bank but they don’t know so what can i do

  212. I am a casual daily wage (purely temporary) employee of a State Aided University. Can I open an account with Atal Pension Yojana? Is it possible to change the premium of the said Yojana in future?

  213. Sir, I was not able to pay the last month premium for prime ministers pension scheme due to low balance in my bank account. Whether the policy was expired?

  214. Sir,muje atal pension yojana scheme close karani he ,kya me ye scheme close Kar sakta hu mere account se aur mere account se ab tak 2000 rs cut hua he WO refund milega kya

  215. My younger brother has applied for the APY trough SBI. However his Data of Birth has wrongly taken into system.Please advice what is the procedure for Date of Birth correction.

  216. How to cancel APY,I didn’t apply for this scheme and not signed any relevant documents but ECS debited from my a/c

  217. I joined the APY two months before.I just want to know that if every conditions were fulfilled than the pension corpus amount, in my case its 8.5 lakhs, is this a guranteed and fixed amount?

  218. my APY PRAN no is. XXXXX open at SBI. how i will check it’s status online?

  219. Sir,

    From where do we get the Passbook or montly for Atal Pension Yogna ?


  220. Dear Sir,

    Now I am 39 years old and interested to join the pension scheme. Presently i am working in a pvt. concern. Every month PF got deducted from my salary and coming year on i have to file income tax. I just want to know whether i can join in this scheme. Also i heard from somebody that if PF deducted continuously 10years then we will get a pension from PF account. from my bank informed if you get any other type of pension then you will not eligible to get pension from this scheme.

    can you please check and clarify me.

  221. I would like to close and quit from this Atal Pension Yojana Scheme. Kindly guide me with the procedure to close and quit from this scheme.

  222. I am enrolled under this scheme. when will I get government contribution in my bank account.

  223. Respected Sir,
    I have applied for apy in SBI on 30th May and updated 1st Jun as debit date of premium. I have received the PRAN from bank.My pran no is-XXXXXXX.Every month my premium debited from my bank account is not same date.sometime my premium debited in 15 days interval or sometime debited 22 days,but when I apply for that yojna,bank assure me,that my premium date is 1st date of every month.Today i visit my bank,to know what is the reason behind it.My bank says they are not responsible for that.This is govt. of India’s project and we are just a agent.If any reason,my account is empty,then what can i do?or who is responsible for my interest?When bank not want to take any burden,then what can I do?Kindly advise.My Bank and Branch detail is-
    State Bank of India
    Tollygunj Branch
    Branch Code-1719

  224. Dear Sir
    I have registered for atal pention yogna in idbi bank now I want to change bank for APY. is it possible?

  225. Dear Sir,

    Can I still enroll for this scheme or has the date expired?

    Kindly confirm.

  226. 1. If subscriber will death before 60th age, he is paying properly from 30th age to 50th age until then his death.
    My doubt is what happen in this case for spouse and nominee.
    2. If subscriber some reason he not pay continually but he was paid from 30th age to 45th age.
    My doubt is what happen in this case for him, spouse and nominee. (Can receive the pension or paid amount? )

    Please explain.

    • 1) nominee will get the amount that subscriber has deposited with interest.
      2) Subscriber can close apy scheme any time he wants.

  227. if i join APY at age 29 Premium amount Rs. 529.00, that prm. amt. change every year accordingly age ?

  228. If i will not continue my contribution after 1 or 2 year , can i get my deposited money If yes how with interest or only deposited amount? If my policy lapse how can i continue the same.

  229. how can be change Nominee name and can minor become nominee

  230. Amount is deducting from my account but where it is going,where it will save ,do we have any special account for that ?
    how can access that account kindly reply

  231. I applied for this scheme at SBI Nagar Road and the contribution has started debiting from my saving account. However, I have not yet received the ACCOUNT NUMBER. Kindly advise.

  232. Sir/Madam,
    I has applied for the APY trough SBI Regd No. for APY
    Name : Rahis Ansari, DOB : 09/Oct/1987
    APY Monthly Premium : 446.
    My Aadhar No :
    But I have recently Correction in my Name & Date of Birth For My Aadhar Card and Pan Card and also correction in My SBI Account correction.
    Name : Raees Ansari, DOB : 09/10/1990
    My Aadhar No. :
    Please sir Upadate My Atal Pension Yojna
    However his Name and Data of Birth has Update taken into system.
    Please advice what is the procedure for Name and Date of Birth correction.
    Thanking you……………

  233. My DOB is 16 /10/74 age is 40 yrs 11 months can I join the scheme now.

  234. Respected Sir,

    My DOB is 27 /11/1979. If I join from this sep’2015 month, How many premium is deducted. What happen in my case for spouse and nominee is are same. I have IT file which is not taxable, So am I eligible to get government co-contribution?. I don’t understand about government contribution in my bank account. Please help me
    Thanking you……………

  235. sir iam already join in APY SCHEME but i want to change my nominee.starting time i don’t have knowledge of nominee. so i want to change my nominee.till 5 month completed.


  236. Please give a link to download closing application for the atal pension yojana

  237. I am Working at Bank of Maharashtra. Would like to apply for APY. I am Already having PRAN no. From Next year i will come under Tax bracket. AM I ELIGIBLE FOR APY??

  238. Dear sir

    The monthly deduction from my SB Account is very irregular. Monthly twice its debiting from my account, even though I gave standing instruction to banker for 25th every month. To whom I need co-ordinate for resolved this problem?

  239. Sir, My age is 37 and I have member of NPS. I want to know that “Can I take APY or not”

  240. Dear sir,

    I have enrolled through SBI. Am i going to get PRAN card at my residence?
    is there any online login where i can see summary of my all contributions?

    pratik mahajan

  241. i have enrolled for this pension scheme but the amount deducted is1062 for first instalment which should have been around 577 according to my age ? clarify

  242. I have a Atal Pension Yojana account and my monthly premium has been deposited through SBI from July 2015. But till now I have not received my Policy documents. Please guide me what shall I do ??

  243. sir , I am a Govt. contractual staff can I apply APY

  244. sir how to u know pran number in sms ? and please probide custmer care for apy.

  245. dear Sir/Madam,

    My name is sourav Banerjee, I join in Atal Pension Yojona from last 3 months from SBI bank.
    1. My 1st query is that I invest yearly approx. Rs. 9024/- and after 27 years, I got Rs. 5000/- per month. I mean I invest in Total Rs. 243648/-. within this long period Hugh transaction are posted in my pass book. please provide me extra pass book for maintain my a/c. properly and it will be help me in future for proof of identification and required for money. so, please provide me any hard copy like aadhare card, pan card, voter card etc. other than , I can’t trust this method. if my money is forfeited, then I will go to road.

  246. sir in the above information submission date is 1st june
    now can I apply for it and is all the benefits available
    I am a student, am I eligible for scheme

  247. My PRAN no. generated on 20 th july but money not deducted till date sio please guide me

  248. Dear sir,

    In case of subscriber death in the middle of age, before attending the age of 60yrs, wat is the procedure to claim.

    Any bond is to be issued for APY contribution. as a proof. pls confirm

  249. How to know my account details about a site add.or link.Thanks…

  250. Sir, I want to close my APY scheme, as im not able to continue with this scheme. I submitted request letter to bank regarding closing of my bank account. but bank denies to close the APY scheme saying no option is available in their software. please suggest how to close my APY immeduately.

  251. Sir, I am an account holder of APY. I have not got any pass book or any other documents of this account, so it’s not possible me to know the status of my account. Pls inform me how can i get my pass book. I will be obliged if you help me. thanking you,

  252. Hi,
    My name is Neethu Jayesh, i am 24 years old. I am already joined in APY through SBT. But this month (Sep) till 28-09-2015 the amount should not deduct from my account. What is the Reason? And i didn’t get any documents regarding APY from Bank. Where did i get the same?

  253. sir i am not clear about that apy subscriber also avail benefits of social pension given by state govt of haryana.
    is it possible to avail benefits of both schemes by the same subscriber.
    or apy subscriber can avail the benefits of social pension by state govt of haryana.

  254. Dear Sir,

    My self S.Rajesh from Chennai. i was applied for PM scheme of Atal Pension Yojana, Suraksha Bima Yojana and Jeevan Jyoti Bima Yojana on 25th May’2015 at Canara Bank, Chennai. in that PMSBY and PMJJBY has activated and debited the money on 29/05/2015 but till now the ATAL PENSION YOJANA has not activated. whenever i went to the branch, they said there is no staff. it will take time for past 4 months. please advice what can i do?????

  255. nice plan for poor pepole

  256. If a customer died in between premium paying period what he/she gets………..
    Whether his/her nominee is eligible for opted pension or a lump sum amount has been paid to their nominee.

  257. What is the document which is received as a proof of policy after the commencement of policy. Kindly explain.

  258. I have started the NPS.
    Do you issue PRAN card for the same?
    May we receive the statement of account which amount debited from savings account?

  259. how much interest will be paid on diposited amount.if before 60year he/she will died.

  260. Dear Sir,

    I have joined Atal Pension Yogna.

    I want to know that HOW CAN I KNOW MY BALANCE & FROM I CAN GET THE DEPOSIT STATEMENT of Atal Pension Yogna .

  261. My DOB is 04.02.1977, if i want to subscribe in September for APY for pension of 5000/- per month, then what will be my premium ??

  262. Sir, my wife have opened an PRAN account No. XXXXXXXXXX in Indian Bank on 30.6.15. However, we have not received the card for the same till date. Pl. clarify how we can know/track the position of our Card.

  263. Respected sir, my age is 28 right now i am nither a tax payer nor a govt employee and not any social pension secheme beneficiaries.
    But in next 6 to 12 month if i got any govt job and becone tax payer
    So what the procedure nd then how govt contribute or how i inform them.
    Also one thing after joing govt job the EPF secheme is also started for me then how new PRAN no alloted to me because one PRAN is already alloted to me in APY in that condition department allot two pran no for both secheme?
    Sir please help me by clear all above doubt
    Because right now there are so many doubt reagrding scheme in mind.

  264. Dear sir ,
    We have already applied for this pension yojana and from 2 months amount is deducted from my account & account is with state bank of tranvancore branch airoli navi-mumbai but yet we have not received any certificate for this same.
    We have visited to bank branch & also to website but no information or certificate we got …..
    kind request to you give us all the details to get the certificate …..
    with best regards

  265. I had applied for APY in month of July at SBI Sushant Lok branch in Gurgaon with my documents, till date no action has been taken. After online complaints, I received a call stating that the website of Atal pnsion scheme is down. I have complained thrice but still no action. I wish to escalate my complaint to PMO office. Kindly share the procedure.

  266. Let me know the last date of submit the Atal pension plan form. I was visited the SBI branch office Hudkeshwar Nagpur but he denied to collect the form from us because the Branch Manager tell us that the scheme is closed and last date was 30th Sept 15.
    It is correct or Wrong , Need your kind revert urgently.

    Milind Sakharkar

  267. Sir.
    I am 27 years old if I died before 60 , then EMI have to pay or not if pay then who will pay, and How much moneyor corups will be refund and who will be received

  268. Dear Sir/ Madam,

    I am working in private sector and had opened pension account with Indian Bank. However later on i came to know about me not being eligible to open this account, me being income tax payer.
    Please let me know, how can i now close the pension account.

    I asked the bank, but they are not aware of the closure process, as they have not received any communication.

    Manu Mehrotra

  269. Can I get Tax benefit also if 80 C limit is crossed over 1.5 Lacs Rs. Yearly.

  270. Dear Sir / Madam,
    Could you be kind enough to tell me – what happens to the person if dies before attaining the age of 60 years…basically how much does the nominee get – maybe the accumulated amount (paid amount) + interest….what would be the interest rate & how is it calculated

  271. Sir, is this scheme open now? Can I apply for it?


  273. Good evening sir/Madam,

    First thank you alot for giving responses for public queries.

    My query is,

    1) i have opened APY with my wife name. She is current 29 year old. I opted for rs. 5000 pension yojana. For that monthly installment is 529.

    I would like to know, is rs. 529 EMI will renains same upto 60 years of age?

    2) can we change nominee after 60 years of age of her

    3) is this tax releif for my salary?

  274. What is the procedure to close this APY.

  275. any website for checking my payment and details?

  276. Sir,

    I have started APY for my wife in SBI and I am the one who pays the amount, can I show this amount for income tax deduction under 80CCD(1B)?

    Best regards,

  277. Dear Sir,

    I want to stop/unsuscribe Atal pension yojana,please suggest me …

  278. Respected Sir/Madam

  279. Dear Sir,

    If subscriber die by chance after few (4-5) premiums paid, then Is subscriber wife eligible to claim the corpus amount of 8.5L if APY enrolled for 5000/m.

    would appreciate if you clarify this.

    Suraj Kumar

  280. Sir
    1] I have open an account of APY in SBI…But i have not yet received the hard copy of APY or passbook or statement of APY. whether it will be received or not
    2] Whether the amount debited to APY has income tax benefit

  281. hi I am Bidisha recently I started APY,continue 4 th month running,but recently I face huge financial problem,so I stop this plan .how can stop this PRAN and return my amount.plz help……………..

  282. Hi, opted APY , premium also getting debited but have not received any certificate, pls suggest

  283. We are unable to contact our SBI home branch due to long distance but i want to take this scheme. so please suggest us can I apply for it by online and whats the procedure for online apply.

  284. My APY continue from sep 2015.After enroll APY then AM-NSDLPN send PRAN No to my mobile. What do I Do..

  285. Punjab National Bank ,Ranchi has still not initiated the APY scheme launched by Prime minister.Whether the customers should approach only SBI for all Govt Schemes.

  286. How to exit from this policy?

  287. repected sir,
    appreciate as you reply to post it helps in solving most of the queries .
    what should i do if a particular branch of a bank do not perform their task properly
    where should i complain regarding it.

  288. I have open APY in UBI bank and they have given only one slip which is tear from the below submitted application only. Will not get the pass book for the same?

  289. Sir,

    I want to know how can i stop my APY scheme. I went to bank but they told me there no closure form of this scheme.

    Kindly suggest ASAP.

  290. Sir.
    I am a student and I am unemployed can I open APY. My age is 22 year…. I also want to know what will have to government contribution if I get government job in future..

  291. Hi
    My wife is enrolled for atal pension yojana and she is 31 year old

    My query is

    After 60 years, whether she will get old age pension from municipal corporation or she will start getting pension from atal pension yojana?? Or she will get both

  292. sir, ihave two questions-
    1. I have opened an APY account..I am a student of 21 years. I have some money problem so now i want to close my APY Account.. Is it possible to opt out.

  293. my date of birth is 21.02.1974 am i eligible for Atal pension

  294. Sir,
    My account APY number is XXXXXXXXXX(canara bank), after October, they didn’t deduct in my account. I need to know the reason. and i need to check whether i have enrolled nominee with / not. if not i need the form for nominee enrollment. in which date exactly they are deducting from my account, that date also i need to know for account balance maintaining purpose.At the age of 60/ 61 onward, the pension money will directly credited to my account as same of reverse it or any other process i need to do. There is no Authorized document we don’t keep except PRAN No.Kindly clarify me.

  295. how to get PRAN card and kit for the same. Bank said still its not received from their end. Money is deducting from account. Kindly reply for the same.

  296. what document do I get if I apply for APY for my record like certificate,passbook, maintain my account.

  297. Sir, Pls tell me option for shut up apy scheme

  298. Hello

    I am working in a software company. Please let me know if I am eligible to apply in the pension scheme.

  299. How to Correction of Date of Birth in Atal Pension Yojna

    please suggest me.

  300. Hello dear sir,
    I want make clear about my wife as I already started APY account in SBI.
    My second SB account is in BOB with wife joint type so Can I start my wife APY on BOB joined account.
    And second thing as I nominated my child in SBI APY for my account so again for wife APY who should be nominee either me or child.
    Third is we both get pension on same time with ourself account.
    If I die on pension periethen my wife will get both APY account benefit or not.
    Please describe on this all topics so many people may clear him confusion like me and proceed for both individual APY account.
    Thank you

  301. Can both husband and wife opt for APY?

  302. Hello
    My wife is enrolled for atal pension yojana and she is 31 year old

    My query is

    After 60 years, whether she will get old age pension from municipal corporation or she will start get pension from atal pension yojana?? Or she will get both?

  303. I have opened APY account for Rs.5000 pension slab, my age is 23, from UCO Bank Uttarpara branch on 20.11.2015, & till now only 1 premium is auto debited from my savings account, i.e. Rs.318. But suddenly due to severe financial problem I cannot continue to pay the premium further, so I want to close my APY account permanently. I asked bank for this but the bank staff is saying there is no way to close the APY account permanently, instead I have to close my savings account from UCO bank. But I don’t want to close the savings account from UCO bank.


  304. whether a person can open more than one account under Atal Pension Yojna

  305. Hi Sir , i checked with SBI , they said that they are not giving Quarterly and half yearly payment flexibility option . but in advertisement you mentioned that we can choose monthly ,Quarterly and Half yearly ,Please help me . now i am going to pay for this month premium , can i change it from monthly to Half yearly.

  306. I applied for for APY on August and I got the message on activation on November. ALso the amount is deducted.
    When Will I get the PRAN card?
    Any website to check the account summary?

  307. Can I change my contribution made to APY from monthly to half yealy?
    If yes, please mention how to do it?

  308. Dear Sir

    i joined APY from last week,through Bank of Baroda auto debit fecility.and also got PRAN A/c num.but my query is how can i know my balance in APY scheme? if any online viewing facility is there? or can i get online passsheet / transaction details from any database?

  309. I am state government Employee. I had new pension scheme in my job. Already I have PRAN number. Now if I want to open APYaccount. What shold I do? Will APY allot me new PRAN number or same will be applicable. As per my knowledge any individual should have only one PRAN number. Please guide me in this respect.

  310. Sir mera iob me atal penson yojons hai lekin 4month balance debit hua udke bad debit nenhi horahahe me kya karu


    • Dear sir/madam,

      I have opted to the pension scheme around 5 to 6 months back now due to some problems I don’t want to continue with this anymore & I also heard that now there is an option to optout from this scheme where I ll be charged with some nominal penalty and rest will be credited to my account request you to kindly help me with the closure request form. Please help me on the same.
      Abdul Kareem B

  312. SIR,
    Firstly i have not received any statement nor certificates for opening APY shall i obtain the same and from where since my account is debited every month and i dont have any hard proof.
    Secondly i wanted to ask that can we change the bank in between if yes please let me know how shall i do the same.

  313. Dear Sir,
    Kindly reply following questions?
    1) How can i check whether Government contribution credited to my apy account or not. what is the diff if govt contributed or not. because there is same pension after completion 60 yrs and corpus value. What is the benift of Govt Contribution?
    2) How can i check that what amount of installment credited to my account. Is there any login id or password to check our amount invested or view statement.

  314. Hi,

    I’m not paying taxes now, but probably will in next few years, so what happens to past Govt contributions if when i’m paying taxes?

    I’m already having EPF, i wish to join PPF as well. than if i join APY, will i get all the benefits of these 3?

    • you will not get government contribution for those years in which you have paid taxes. You can opt for APY even if you have EPF and PPF.

  315. 1)what if the bank get closed after 5-10 years after I started to subscribe?
    2)I don’t have any proof to prove that I’m enrolled under APY?.
    is there any bond etc?.
    3) how will u credit to spouse and the nominee after my death?.
    plz reply.

  316. I am 26 year old and working on reputed company in gurgaon. I am tax payer and EPF account holder also. I am getting around Rs.37,000.00 on monthly basis can I enrolled my wife for this pension scheme how ever she is unemployed.
    Pallav Pathak

  317. Premium payment of apy in your website is monthly/quart/half year, is wrong, please clarify

  318. Dear ir

    I have applied APY and now its deducting every month from my account. When i read the above conversation i got to know that EPF and tax payer do not get Government contribution.
    If i want to stop the APY then what to do? how can i get my money which already paid?

  319. I’ve opened APY account with ICICI Bank and they provided me with a PRAN.
    How can I check my contribution made in APY? Will there be any document sent by bank or NSDL?

  320. I have completed 40 a week ago can i still opt for the pension scheme

  321. Hi Sir,
    My Self Manoj from Bhubaneswar. I am recently join in APY scheme. How many days it will take to get PRAN card.
    whether it will be sent to my address or to collect from respective Bank.

  322. My atal pension youjna already started. Can i change nominee namanee name which i written in application form.

  323. Annual amount we are paying in Atal pension yojna it is incom tax free or not.

  324. Hi sir,

    I am using APY, I am paying money from IDBI Bank but i want to switch the account on SBI Bank. Please let me know….


  325. I am 72, retired from HAL. I receive INR952 as pension. Will I get any pension against this scheme. My wife is housewife and doesn’t have any earnings, will she get any pension against this scheme.

  326. If am already having a pension plan with my name and my spouse name in LIC, how can I enroll in Pradhan Mantri Pension Yojna?

    Looking for the your kind attention on my concern and hoping the way out.

  327. Hello sir,
    I m Nidhi, wants to know that as of now i m not paying income tax & no pf is deducted from my salary but i have EPF account as it was deducted from my previous job so will i eligible for benefit of government contribution. please give answer as soon as possible.

    Thank you

  328. If I acquired a pension plan of Rs 1000 and want to change it into a pension plan of Rs 2000 or Rs 3000
    Would it be possible to change the plan in APY yojana ? Kya plan ko basal sakte hair from 1000 Rs to 2000 or 3000 Rs……

    Reply me please

  329. 1.PSU employees eligible for this scheme
    2.if he has NPS scheme

  330. Sir

    Good Morning

    I want to know regarding APY(Atal Pension Yojna). My mother is 57 years old. I want to apply APY for my Mother , she is housewife. My Father has retired from a private company. Thats why he is not having any pension. Kindly tell me the procedure how to apply. And also let me know how much I have to deposit in her account per month so that
    1) She will get 5000 per month as pension
    2) She will get 10,000 per month as pension after completing her 60 years.
    Kindly tell me the best option so that my mother will be live life independently. Kindly revert as soon as possible.
    If possible kindly provide me any contact number for further query.

    Thanks for your kind co-operation.

  331. sir,

    I am an unmarried person and already registered with APY but question is that 1) after married weather my wife will got the pension or not?

  332. can you explain when is the last day to apply.

  333. Sir/Madam

    Can i apply for this APY with 2 different bank on the name of myself and my wife’s name? with different nominees

  334. Sir,

    I am an NRI . Can i opt for APY? Thanks

  335. Dear Sir,

    1.Whether i can pay from any post office for payment.
    2.During payment Aadhaar card is required by the payer since i have not yet received Aadhaar Card.
    Thanks in Advance.

  336. I have opened the atal pension yojana in HDFC BANK and now i want to close it . but the bank do not have the closing form and they do not have any knoledge about this .
    so where can i get the closing form.

  337. my question is that I am 36 years old and I contribute the amount of Rs.990/- per month in the Atal Pension Yojna from July, 2015 but not received the PRAN Card so far. What can I do in this matter and whether contact on this issue. second is If I join the govt. sector in future than the allotted PRAN is retained in govt. sector or apply to another PRAN. Please clear those question.

    • my question is that I am 36 years old and I contribute the amount of Rs.990/- per month in the Atal Pension Yojna from July, 2015 but not received the PRAN Card so far. What can I do in this matter and whether contact on this issue. second is If I join the govt. sector in future than the allotted PRAN is retained in govt. sector or apply to another PRAN. Please clear those question.

  338. Hello Sir,

    My question in regard to APY Plan. Is there any possibility of changing this scheme in future after changing of government?

  339. Hi,
    Where do we get the receipt of premium paid to pension scheme. I need that to show proof for income tax dept to get 80c exemption.

  340. Sir,
    I am a subscriber of APY and e-nps in both of them e-nps updated online but when i want try to update my account of APY (atal pension yojna) this is very difficult ( not possible ) to update my account and not possible to check my balance in this account.

    how much time u take time to introduce a link for said updation in APY

  341. I am Govt employee. I already have NPS account & PRAN no. Same NPS PRAN no given to Bank. Bank opened AP Yojana with NPS PRAN no. No new PRAN no generated in APY.
    Whether it’s correct? Or there should be new PRAN no in APY. (Different from NPS)

  342. Am working as an assistant Manager in leading pvt sector bank and I Want to know, how one can close his APY scheme ? and please direct me the procedure in doing so. From the above instruction i came to know that we can give the closing application and close this scheme but where is that closing application available ? Can we get it downloaded from online ??

  343. Hi Sir,

    My atal pension youjna already started. Can i change nominee name from wife to son,
    As per your instruction mail any way wife will default pension after I dead.

  344. 1. Dear sir I am not tax payer i am not eligible for government contribution?
    2. My wife has not pan card can she apply for APY?
    3. Me and My wife have a joint bank account can we both apply APY in same account?
    4. If i dead before 60 years can nominee get a corpus amount of rs 8.5 lakhs?
    5. What is meaning of corpus amount?

    • 1) Yes you are not eligible for govt contibution
      2) yes she can
      3) no
      4) your wife will get the corpus amount in this case but it would be less then 8.5 lakhs
      5) Guaranteed amount.

  345. Dear Sir, (1) Is pension received under Atal Pension Yojna after 60 years is taxable ?

    (2) Is monthly contribution is eligible u/s.80C?

  346. Sir now iam a student in future i will get a job in govt or private then this yojana is elgible to me or not

  347. Dear sir,

    1) I m working in an private concern and tax payer. But my wife is not working. Is she eligible for APY and govt contribution.
    2) Can we apply for APY from nearest SBI branch in which we have account or do we need to go to the bank in which we created the a/c.
    3) When is the last date to apply for APY – govt contribution.


    • 1) Yes she is but for that you need to apply before 31st dec 2015
      2) you have to connect with the bank in which you have a savings account.
      3) 31st Dec 2015

  348. Hello Sir/Madam,

    I am Venkatesha g from bengaluru – I already enrolled APY Scheme in FEDERAL BANK. i have one Doubt about ‘ i stop the payment after 2 years if any amount return give or not give???? AND if give amount how much amount will gives??

    and one more ” how to get the details about how many months deducted amount(banks give the details in passbook) officially from govt . it is possible ??

    Thank you

  349. I am 45 years of age. I am not covered under Atal Pension Yojana. I am not a government employee and I have no pension. Why no pension schemes are not made for people aged between 40 and 60 years of age. I am ready to pay extra premium and get into the pension scheme. There is no secured pension plan in the market. Please reply

  350. Sir I want to open account in atal pension yojna . Can I open. Or kyaa vahii benefits milengae?

  351. Hi,
    1. Would like to know from where I can see / download all the monthly contributions made till date?
    2. What’s the Significance of the A/c No. given?
    3. We aren’t given any Document mentioning that one has subscribed under this APY Scheme? How would, in future, we show to claim of any kind?
    4. Bank is saying that no PRAN Card would be issued. Is it correct?

    Pls revert for all these.


    • 1) There is no way you can do this as of now
      2) ??
      3) You will have a PRAN card against your APY
      4) no you will geta PRAN card.

  352. sir, i have two children.can i write both of their names as nominees.

  353. Hi,
    I am 30 year old .Last year in August2015 I had open APY for Monthly Pension Rs5000/-. The Bank has wrongly entered my Date Of Birth and make my age as 35. Now my premium got deducted as per the age 35 that is Rs.902 which is not correct. I am paying more premium then my actual age.I have also giving written complaint in my Bank. And taking regular follow-up from last 4 months. But my issue not got resolved yet.

    Can any one please help me out.
    Thanks in advance.

    Ravi Shah

    • have you got the compliant ID from bank. If yes then make a complaint in RBI and refer to bank compliant ID.

  354. i have obtained apy ac. august 2015 but still i have not got any payment deduction receipt from bank other then bank pass book entry, when will i got concern documents ?

  355. I opted for the APY on July 2015, since then not even a single installment had been deducted or any information received ever. Please Suggest. The bank is “IOB”.

  356. Sir please advice me can a person having apy scheme can purchase other pension plans of insurance companies.

  357. Sir/ Madam,

    I have opted Rs.5000/- Pension and paying Rs.902/- per month from Union bank of India, Chalai bazar branch, Trivandrum. I cannot get any records in this regard and only record is my monthly statement. My question is can I get any Certificate or records in this regard? how I will get this? Please give reply.

  358. hi, i am chethan from bangalore, i have registered APY with Canara bank, every month amount has been debited from canara bank as well as credited to APY account,

    the Question is till now i am not receive PRAN card ? when should i receive ? who is responsible for issuing card, whether NSDL or Canara bank?

    thanks in advance..:)

  359. Dear Concern,
    This is to inform you that I am an employee of a reputed non-governmental Ltd. Company, right now I am not a tax payer but soon will be. As I work for a Ltd. Company I have an EPF account. In this scenario can I become a member of APY and going ahead when I will be a tax payer does it will create any problem ?

  360. Hi,
    Today (7th jan 2016 )i went to both ICICI and SBI to get myself enrolled to Atal pension Yojana in Bangalore but the branch executives told me that the scheme is stopped and the last day was 31st Dec 2015.

    Please let me know is it correct?is the scheme really stopped? the scheme will extend or not??

    • scheme is still alive. Please lock your complaint against the officials through customer care respectively.

  361. Sir, will any bond paper be given to the APY holder/contributor.

  362. Date of birth 11/11/1975. can we apply for Atal Pension Yojana

  363. Sir, I have opted for APY through BoB since July-15. Monthly deduction is regularly through my savings bank account. I am yet to receive any documents concerning APY – like PRAN Card or some kind of Statement of Accounts etc. Can you help me getting the same please ?

  364. Hi
    I have already enrolled my name in this scheme .Now the amount deduction from my bank account has been started and I am receiving sms for the same in every month. Now my question is that how to get the statement of APY ?

    Please inform ASAP

    Saikat Nandy

    • there is no way currently in which you can get any APY statement. Since the scheme guarantees of proving the fixed pension so it seems there is no need of providing any statements.

  365. Dear sir,
    Started Apy from Indian bank, but decided to cancel, as it did not suit my needs, the same day.first instalment was already deducted. bank says they cannot cancel it. it is almost a month now and time for the second instalment. ive been going to the bank almost everyday regarding says absolutely no. they have no knowledge regarding closing application. kindly advice.

    • banks can close apy account. If they are not closing it then you will have to raise a complaint against them.

  366. I have applied for APY on 31/12/2015 through icici bank Jamnagar solarium branch the person nit gave me acknowledgment and on other day after insisting he gave me acknowledgment in which there is no PRAN no he says that PRAN number can not be generated instantly ,till date no amount deducted from my account I had opted for 5000 pm and amount to be deducted pm is 824 please help as I have been watching banks are not interested in opening such account rather then to sell their own pension product

  367. I missed this opportunity to open account please I want to b part of this yojnaa will u plz provide me forms…or else let me know the extended date of this yojna..thank you

  368. Dear Sir,

    How can I get My Atal Pension Certificate .

  369. Sir,
    I am a employee of a private organisation, I am already enrolled in EPF pension scheme. Can I apply APY for a pension scheme for future.

  370. Dear sir,
    I have started Apy from SBI on dt: 29/09/15, now i decided to cancel because of it’s instalment are not suitable for me. I give closing application to bank they says it is not possible to close this. kindly advice me what to do……

    • this seems to be a common problem with lot of the subscribers. The process is long but effective. You have to raise an offical complaint about the same in your bank get complaint id with you. Even after your complaint in the bank does not respond then use this complaint ID and raise a new complaint in RBI.

  371. I was born on 23rd march 1975 am i eligible for atal pension on this day 13-01-2016

  372. Hi, Can you please confirm, if we get the income tax benefit under Sec. 80C or 80CCC for this pension sheme.

  373. I have passed 40th birthday on 09th December 2015. Now I am 40 years and 1 months old. Can I subscribe to Atal Pension Yojana?

  374. I m investing since 10/aug/2015 in APY & now my accountant asking me to show my savings & I said that i m investing in APY but he asked me to show in written that How much amount is being deducted & since when ? Please tell me how I can I show him ? Is there any online account for my Pension Yojana where I can see my details, download & print all about my account ? & if it is not available than plz tell me why it is not available ?

  375. Dear Sir,

    What is the procedure to rectify date of birth in this pension scheme, because bank staff entered wrong date of birth in their record, Now they have rectify their record but unable to rectify in the pension scheme.


    Sanjay Mishra

  376. Does the contribution made towards APY will be covered under Tax saving or not??????

  377. Dear sir
    can I access my APY account?
    I have registered for APY in SBI. How can I check my current account balance or transactions.


  378. Hello ,

    I am interested to enroll for Atal Pension Yojana? now .

    1) Could you please help me knowing that i will get govt shares for 5years or not ?

    2 ) I heard this APY is stopped on 31st Dec 2015. Is there any chance to extend the date by govt??

    3) what the interest rate given for this APY ?

    Thanks in advance.

  379. Hello Sir,

    i am tring to do APY now , can i get govt partial payment for next 5 years.

    1 ) whats the interest rate for this APY ?

    2 ) i heard the last date for APY registration is 31st to get govt share benifit ,, is any chance to get extended ??

    • 1) Interest rate is not clear each bank may have a diff interest rate
      2) No information from government on this

  380. Hi,

    I wanted to know the process for increasing the premium amount,initially i had applied for 1000 rs pension and now want the same to be increased to 5000….initially while enrolling i was told by SBI staff that i can do the needful after a year but when i enquired for the same today in the bank they were not sure of the process.

    Eagerly awaiting for your feedback.



  381. I have open APY in SBI as on 01/08/2015
    on 5th aug 2015 I got PRAN by SMS.
    after that every moth I got msg of credit to PRAN Account.

    My question is
    How can I check my current account balance or transactions or
    How can I get my account statement.

    Atul Jain

  382. i have invested in APY and bank deducted 3 installment from my account, I have not found and not received any type of proof or bond from government in writting, when we will found it or if I wish to close the account wat can we do please reply me.

  383. I am a tax payer with EPF account.

    I want to enroll for APY for Pension of Rs 5000 pm.

    Upon investing, would i get any income tax exemption. If yes, then under which section?

  384. Dear sir,

    I have a small doubt’s for this scheme.

    1. My Age is 27 now I’ll apply the scheme every month 1k will pay. In future if possible to increase my amount. (E.g.) After 2 years increase my amount, can i possible to pay 2k per month.
    2. Still now I’m bachelor if put my nominee is my Mom now. In future it’s possible to change nominee.

  385. Hello,
    When I went to Oriental bank of commerce, they told that the APY scheme closed on 31st Dec 2015. Is it not possible to enroll anymore?

    Can you please let me know.

  386. Dear Sir,

    I am SONALEY JAIN. I have open a/c in APY on 26/06/2015 in SBBJ BANK JAIPUR. In January 2016,monthly contribution amount 902/ Rs debited two times for January month on 14/1/2016 and 21/1/2016. I would like to know that the extra debited amount will be adjust in next coming monyh.

    Details of debit entry : APY_JAN16_Mont_5000_11700201500080942_500007821960

  387. I got the PRAN number of the Atal Pension scheme..
    1) How to check the status and monitor it online thru internet ? Who will provide the password for the same ?
    2) I did not include nominee details. Now how to add the nominee details ?
    Please Clarify.

  388. i have taken ABPY and my monthly contributions go from my Corporation Bank. So far 2 months deductions have happened (i have taken the policy in Dec 2015).

    Now, can i stop the payment from my Corporation Bank and start making the monthly payments from my SBI savings account ? – i want to close the Corporation Bank account and hence asking you for this possibility.

    awaiting your response.


  389. I have taken ABPY for myself and my wife. Monthly deductions have happened. How do I get my PRAN card? Will it be send to my communication address or should I get it from my bank?

  390. Sir,
    I am working in one Gen Insurance PSU and covered under NPS Scheme. Further, in last three years I have not paid any Income Tax (had filed the returns).My Age is 26 years, I joined PSU in year 2014.
    My questions:
    (1) Will I be eligible for APY?
    (2) Will I get benefit of govt. contribution as I am not covered under the schemes as mentioned?



  391. Hi ,

    How can i get the statement of my APY payments. i tried to register in NSDL but it is not allowint me to register.
    Plese help.

  392. i have started investment in APY account since july’15 and all the installments are getting deducted form my account monthly basis, with out any delay, But I have not yet received my PRAN Kit, When I visited bank, they tell me, I will get that on my adress, but it’s been so long now.

    where could we found it or where to go to collect the same

  393. I wanted to know how I could change my bank account from which the premium is been deducted. I want to shift it to another account so that I can close the account

  394. Requesting you to kindly clarify few points.
    1) Can we surrender this scheme inbetween?
    2) If yes than what about the collected can we redeem or what?
    3) If we wish to contiunue then what to do
    4) What about late paymets etc.
    5) Once the period complet what about collected amount?

    • 1) yes
      2) you amount would be given back to you
      3) you can open a fresh account
      4) read article
      5) Read article

  395. My daughter is contributing for Atal Pension Yojana. 1.After marriage whether she will change her nominee.
    2.In case transfer of Bank A/c no to other region of same Bank , weather Pension contribution will continued to deduct or not.
    3.How can we know accumulated amount on the pension fund

  396. how i can get my physical statement of APY and from where?

  397. My wife is subscribing for APY through Axis bank for the past 6 months, but she is yet to receive PRAN card.
    Pl guide me whether it can be obtained ON-LINE.

  398. I had taken AYP from HDFC saving joint acct. for me and spouse. Acct is at Bhuneshwar and AYP started from June-15 at Bhopal HDFC branch. Premium is going on , PRAN is received by mail. But how can I login to check. I used the portal of NSDL but saying enter vaild PRAN no. how it is so ? And not even received the AYP Card , and where to apply for this. Bank not giving any support regarding any query. Who is the accountable department and chair where to go for small small quereies. All the toll free no.s given are not working. Plz help.

  399. I wanted to know how I could change my bank account from which the premium is been deducted. I want to shift it to another account so that I can close the account

    • no this is not possible until now.

      • Hello!
        I have already enrolled in APY and my account also getting deducted for the scheme,but can I enroll my wife in APY- I mean both husband and wife can have individual APY enrollments
        And one more thing-My wife was priorly working in corporate sector and now she left the job,so she had an EPF account-is govt contribution available for her

  400. Can i change my ECS from one bank to other bank under Atal pension Yojan.

    • sir i wants asked you that if i am join this scheme and , i pay premium continue 10 years .when after i die .will my wife pay premium yes / no .if no then my wife get how many amount .my age 29 and premium amount 529 per month

  401. I have started pension from June and I need statement, for the same I visited to SBI Bank and they told they don’t know how to take statement.. can you please help into this.

  402. Sir.,
    I joined APY through SBI in October 2015, Money has been deducted every month from my account, I am not getting message which i got for first two months. Regarding APY there is NO detail available in our online sbi account(sbi people says it won be available), the is NO evident available with me other than acknowledgment slip, It is good if it is available in online . Whom i can contact for any queries,any toll free number/ email.address?

  403. I am a subscriber of APY and the premium amount is deducting every month from my account, but yet I dont have receive any APY certificate. So how can I get this policy certificate? Please help!

  404. Sir, I along with my wife submitted the form for Atal Pension Yojna & Jeevan Jyoti Bima Yojna on 13th July 2015 in the S.B.I Bank ,Raipur (Branch -Shantinagar) where it was informed that you will be intimated about the registration as soon the things will get processed . Later on my wife got intimated but still has not got any intimation.

    Regarding this I met the bank official many times but they kept on telling that don’t worry intimation will come.But, today they informed me that the registration may have failed for one or the other reason and now nothing can be done since the plan got closed

    Sir ,please response me that what can be done for this negligence approach and what can be done so to get the things done.

    Regards Raja

  405. I have asked the bank for PRAN card. But their reaction was What is PRAN card? and instead of PRAN card the bank said we will give you only the acknowledgement receipt. So from where can I get this PRAN card now?

  406. sir I have joined APY, rs.208 per Month. but February month rs.419 has deducted from my account. I asked to bank manager, he said I dont know you have to look APY official website. but I didn’t get any information from this. what I have to do sir?

  407. Hi, Does we have a facility to check the balance in apy account?

  408. 1.) MY DOB IS 04/10/ 1986 MY WIFE DOB 16/04/1986 SO WHAT IS CONTRIBUTION AMOUNT
    THE RS. 17/- LACS

  409. Sir,
    APY, PMSBY and PMJJBY information read and very useful to member of public. one day i call on toll free number and ask the available person. whether the APY account open in Post office but he told. this scheme not available in post office.

    So, I requested to give the wide publicity for said scheme available in all Post offices in India where CBS facility is available.
    Thanks and Regards

  410. It is almost a year that, I am contributing in this scheme, but till date I have not received any PRAN card and also for this pension, which dept or organisation we have to get in touch with.

  411. hi,

    iam at the age of 27 and please let me know premium amount for 5000 rupess pension plan and is that premium amount remains same till 60 years or keeps changing as the age changes??

    and what will the amount i get after completion of 60 years and till what age i can get??

  412. i apply APY in sbi bank date is 28/12/15 but still not debited in my account.
    i ask the bank they telling still not come approved
    why where i ask

  413. Hi ,

    I am Satya From Odisha.
    1. I did the plan in December 2015 and my nominee was my father who expired in Jan 1st 2016. I want to change the nominee name to my wife’s name when I will marry. Is it possible??

    2. Up to how many years ( means up to what age ) this monthly 485 money will deduct from my account?

    Kindly Reply.

  414. Hi,

    My question is,

    If i will die in between the age 40 – 50 , then what will happen?? Whether all money which are deducted from my account got collapsed or My nominee will get all the money with interest???

    Kindly answer.

  415. Hot cancel and get the money back to my account. I have paid 6 instalments and want to cancel now. Please help…….is this possible?

  416. Respected Sir,
    l m a govt. Employ and already have a pran account. Can l open an APY account in bank?

    Thanking you.

  417. Hello ,
    please confirm the last date of APY ? Is this 31st march 2016??
    actually I read on other site that 31st DEC 2015 was last date .

  418. I am emplyoed with EPF account too and taxpayer in 10% slab. In Jan 2016 I have Opened one APY account and PRAN number for the same has been generated.
    Can I open one NPS account too ?
    Kindly suggest.. If so.. then will there be two PRAN account for me ?
    Thanks and Regards,
    Abhishek Sahu

  419. I have submitted my wife form by atal pension form on june 2015 to HDFC bank Kanpur U.P. they have still not open my account stating that the scheme is still not in running.
    And she is also not receive any PRAN card.
    Pl guide me whether it can be obtained ON-LINE.

  420. What will happen if the subscriber dies before 60 years of his age? What benefits will be provided in this case?

  421. Can a single person who already owns an ATAL PENSION POLICY apply for another ATAL PENSION POLICY ?

  422. Dear Sir,

    I am a member of this scheme since June 2015(after lot of confusion about whether I am eligible as I am a taxpayer and have EPF & PPF a/c).

    However, I Got my PRAN NO. but not received any document till date.

    Could you suggest how long it would take?

    Also since at the very beginning Bank persons were not clear about the policy details. I have made my spouse nominee instead of my Son. Now I want my Son to be Nominee since Wife would automatically get the Pension after my demise.

    How can I change that?

    Is it possible to get to Online (with User Id & Password )to log in to our A/c and update profile or Nominee.? Just like UAN for EPF.

    I will be thankful if I could get some answer on these queries.

  423. I just want to know how to change the bank account from where the APY is currently debiting from my a/c

  424. helllo sir/madam,

    Is the corpus amount i.e. 8.5 lakhs is same for the Rs.4000 pension plan? or is it differ from the Rs. 5000 pension Plan.. If yes then what is the final amount of corpus that a Rs. 4000 pension plan person receive?

  425. Sir / mam ,I have an ppf and apy account so can I get the government benefits in both the ppf and apy account

  426. HI Team,

    I seen the pension which we will get after completion of the term WOULD BE TAXABLE.

    In this case what is the use of taking this policy?? if
    for 5000 rupees pension the tas would be 725 rupees. So we are getting only 4275 rupees.
    this is not at all good

    Please correct me if i am wrong..

  427. I am trying to check my contribution, but I am getting error saying “The details entered are incorrect.” I am entering correct PRAN number and my birth date. Also I have not received any documents regarding this. Sir could you please help me regarding this.

  428. I have an APY A/c in SBI.I got my PRAN number.But how can i get my PRAN card?BY Postal or any other process?Can i get/download E-pran CARD ?If yes kindly send me the link.I didn’t found anything in NSDL website.

  429. I have an existing NPS Tier-1 account and PRAN card for that, can I open a new APY account

  430. I want clear message .I was closed my atel pension scheme .my amount will refund or not.what is the process to make on that

  431. Hi Sir- i have applied for this scheme and i am also having PRAN number, my question is how can i know the details of my pension account? Is any online facility available for checking the details, tried to check in NDSL site but its showing Invalid PRAN

  432. Dear sir ,

    I have received NPS no. But How i check status .

  433. If I died in age of 58 what benefits my wife or nominee will get under APY.

  434. sir

    i am a employee in public sector undertaking , currently i have subscribed to APY , can i also subscribe to NPS in addition to APY.

    My employer deducts some amount towards superannuaton fund also.

    please advise.

  435. I am 18 now and I have an account with South Indian Bank can open an APY?

  436. You have mentioned “If you would enroll in it on or before 31st March 2016 then you would be getting a government contribution. Government will contribute maximum of rs 1000 per year for first 5 years”

    But the bank people tell that government contribution is eligible only if you had enrolled only on or before of 31st January 2016. Please advise

  437. the officials of state bank of india branches at munshipulia & takrohi lucknow up r telling that this scheme portal is not working & they can not open atal pension yojana account
    however it seems that the staff of both these banks r not interested to work for poors major reshuffling of staff may kindly be done & officers having nationalist feeling from other states may be posted all the local employees from local background may be shifted to far places

  438. Sir,

    I have paid the premium of APY last year but i want to declare it as a tax declaration. from where i can get the complete receipt whether i have paid the premium or not for the tax decalartion.

    Thanks in Advance

  439. how to claim PRAN Card For Proof

  440. Sir,
    I have APY since Jul15 and have PRAN. How can I get Income tax deceleration certificate for 80CCD?

  441. Hello,
    Planning to open APY account. What is the maximum amount that can be paid every month or a year?

  442. if in case a person, his/her spouse and nominee unfortunately die at the same time/together, then who will be benefited with the corpus amount.

  443. Can I show Atal pension yojana investment for income tax for tax rebate as a pension plan

  444. Sir, I want to close my APY scheme, as im not able to continue with this scheme. I submitted request letter to bank regarding closing of my bank account. but bank denies to close the APY scheme saying no option is available in their software. please suggest how to close my APY immediately.

  445. hi sir ,

    i am semi govt. employee … so from my salary 12 % is deduct & appx. 8.5 % add by company for epf and 3.50% appx. for eps ….

    as i read and understad this EPS amount is for pension , ( if i m wrong pls correct n guide me) …this amount is very small and as per calculating this amount will delivered hardly 1200 to 1500 rs pension after retired .

    can i join this ATAL pension youjana ??

    if yes how and where i to proceed ??

    and this deduction will be came under any tax relif section ??

    pls pls help me to get out from this rid.

  446. Sir, My self and my opened APY in the last month. Lack of knowledge i kept my wife as a nominee for my account and to her account iam the nominee. Now iam planning to change the nominee in my kids name. How can i change the nominee in APY. Bank officers said that nominee change option is not provided in the data base. It is not possible. What to do now. For whom i want to consult. give me and Idea sir ji…

  447. sir, i have enrolled for APY last year and amount is regularly deducted from my SBI account HYD .I have only bank transaction details of my payments towards APY and where i can get PRAN card and income tax declaration what is the process please help me

  448. What will be the proof of APY. Can a Card will be issue as issued in NPS

  449. sir please tell Atal pension yojana & National Pension Scheme what are differences are ? or this is one scheme ? please mail me

  450. dear dir I m closing my attal pension yojan , I m going to bank but bank officer say no option for closing, & no form for closing, they say me close the bank account/ zero blance

  451. Dear sir
    I have enrolled for the APY from SBI bank but till now I have not received any details about my APY membership details and how should I can my balance in APY account
    If there are no details from your end then please let me know how to close the account

    Kindly do the needful as I expect faster response from your end. Please mail me if you need any further information.

    it is my hard earned money and I am not getting correct picture from Bank

  452. Sir,

    Can we changed the nominee Name, I have given my spouse as nominee, i want to change it

  453. Can I join APY me and my husband ?

  454. Sir, please give an opportunity to enroll the scheme up to 45 years. We are in between 45 years also get benefit from pension scheme.

  455. Dear Sir,

    I have enrolled for Atal Pension Yojana on 3rd of March’16 from SBI.
    But still date there is no such deduction for Premium from my account.
    Also, there is no such policy documents received.
    The bank have only give me Registration and Contribution Enquiry page.
    But, in that Page there is no such details about registration number or Policy number.
    So, how can I get status of it ?

    Thanks with Regards
    Simant shah

  456. 1.) My age is 26. my premium for 409 at 5000 Pension yojana.
    2.) If the main person who open a/c for APY death at 50. What happen at that time? his spouse/nominee apply for more 10 years for APY? if her spouse/nomine not apply then how many amount will be refund and when the amount will b refund. mean after 10 year or instant money will be refund?
    3.) What is corpus? please give advice in deep for that.

  457. Dear Sir,

    I want to change the option from Rs.1000 pension to Rs.5000 pension scheme.
    SBI branch Manager has shown his inability to change the option.
    Kindly help me out how to change the option.


  458. sir
    my wife date of birth is 15th august-1975. now she interested to join the APY. by mistake before 15th august 2015 not join this APY.

    now she crossed 40 years. age is 40 years and 7 months
    pl suggest

  459. Sir, I want to close my APY scheme, as im not able to continue with this scheme. I submitted request letter to bank regarding closing of my bank account. but bank denies to close the APY scheme saying no option is available in their software. please suggest how to close my APY immediately.

  460. Dear Sir,
    I have enrolled for Atal Pension Yojana on July 2015 From BIHAR GRAMIN bank, Branch – RAMPUR GOGRI, District KHAGARIA
    But still date there is no such deduction for Premium from my account.
    Also, there is no such policy documents received.
    Many times I consult the bank but still no any premium deduct from my account.
    I want to know govt. launch the Yojana only for popularity due to member enrolled this Yojana but bank not deduct the premium

  461. Dear Sir/Madam,

    I applied APY in last year, the same amount deducted in my a/c, there is no problem, but my concern is there is a any possibility to check my statement in online? if there is a possible pls provide the login details as soon as possible, and one more question still now i didn’t received any proof of documents from bank,
    Pls clarify

  462. Hello Sir, I am 24 yr age. how much time i have to pay the premium amount.. ?? At the time of last premium how much amount i have to pay in case of 5000 pension plan…??

  463. What do u mean by vesting period those many months we hav to pay r what

  464. Sir,
    I am 45 years old. Me and spouse have crossed the age limit for APY. I have two children. My queries are
    1. Can I opt APY for both children having SBI joint account with me as principle account holder.
    2. The repercussion after some day both children will get the job.
    3. Can saving account be changed with same policy after children have their own account.

  465. respected sir/madam,
    I am just 30 now and married with 8 month old daughter. i want to join APY scheme and my daughter is my nominee. but my daughter has no aadhar card. So, please reply me
    1) whether my daughter can be my nominee.
    2) if yes, whether my wife can be the gurdian of my nominee as my wife is the default nominee and the nominee will get corpus amount after the death of my wife.
    please reply as early as possible.

    • 1) Yes
      2) If you die then corpus amount would be given to your wife if alive, If both of you die then it would be given to your daughter

  466. Hello Sir,
    My name is Sumit Kumar Srivastava having salary account in Murar Branch have opened an account in APY on 29/05/2015 my date of birth is 10/03/1993, instead of deducting Rs 292.00 under APY it is deducted Rs-1087.00 .I have compliant to Branch Manager of Murar but the response was unsatisfactory .So I decide to compliant online my compliant reference is WS007635/2015-16 on dated 25/08/2015 as per mention below.
    25/08/2015 WS007635/2015-16 Customer Complaint Patna Murar Matter has been taken up by the H.O.and they have confirmed that amount will be refunded to the complainant shortly.hence we close the file. Final reply sent for closure/File Closed

    It is almost one year but my compliant is not solved by Branch Manger or online compliant .So I kindly request you to see my matter seriously so that I can continue my APY
    or kindly refund the excess amount deducted under APY
    Kindly revert me how much time you will take to solve my problem.

  467. I am a subcriber of APY. I have got my PRAN no. but i have not received my PRAN card or any other documents till date. it is almost a year.what to do?????

  468. Is it necessary to pay premium from saving account or I can also pay it with my overdaraft account? Please reply soon.

  469. please confirm how to change nominee in future. how to view balance, receiving sms from nsdl regarding deposit of monthly contribution.

  470. Sir/mam
    I m unemployed now and if I open an apy account.. After few yes if I get job then also m I able to get the benefits

  471. I and my wife joined APY scheme. I want to know that whether can I show her contribution(her contribution paid by me) also under my tax deduction (80 CCD)

  472. Sir, I m confused for the scheme. In Tax benefits in Atal pension Yojana point you have mentioned that we will get tax benefit under 80CCD. but in Atal Pension Yojana (APY) VS New Pension Yojana (NPS) point in that 4th point says there is no tax benefit. Can you please help me for the above confusion. Is tax benefit their or not.

  473. Sir,
    I would like to know who can be the guardian of a minor nominee for APY application form; I or my spouse or someone else ? What is the role of the guardian of a minor nominee for APY ?
    Please let me know as early as possible.
    Thanking you,

  474. sir,

    i am an insurance agent. currently my age is 38 running; before some years our insurer gives us swawlamban yojna for pension purpose.i have pran no. and pran card also.

    recently i got letter from nps that you will auto migrate to APY is it true. then how can i deposit the monthly contribution ?

    and if i want to close swawlamban yojna and open APY as a new member then can i get government contribution or not?

    and can i open my wife account in APY. her age is 34. but she is housewife. so i will deposit money on behalf of her.?

  475. My age is 32.Assuming that i open my apy account the age of 40 i die because of some there any death insurance in this scheme?what will happen to the premium that i paid from the age of 32 to 40.please clarify.

  476. is this not for NRI’s? if do we have something for NRI’s

  477. How can I change my mobile number and nominee name in existingh APY scheme? Please help.

  478. Hi,
    I have submitted APY form through ICICI bank.
    They have given me a service request number.
    How do I track my application status?
    Can you please provide me with any contact number or link?

  479. I subscribed for Atal Pension Yojana on 22-01-2016 from punjab national bank, PNBXXXXX, Old Faridabad Branch,. The Bank authorities gave an acknowledgement no.XXXXXX to me. after that I did not receive any information on APY. Plz guide me.

  480. I am a subcriber of APY. I have not got my PRAN no. also i have not received my PRAN card or any other documents till date. it is almost 2 month.what to do?????

  481. Dear Sir/ Mam,

    my name is usha & my father name is Mr. Ram Babu his age 60 year old. Actually sir my father want to join with Atal Pension Yojna.
    He is govt. servant & his retirement in upcoming Sept 2016.
    i want to ask two questions plz reply me.

    Q 1. What is the process of Atal Pension Yojna ?

    Q.2. how mach amount in invest in this yojna & how mach money will get by pension

  482. I had submitted my application when the scheme was launched in June 2015. My date of birth was 10th March, 1975. Hence, just completed 40 years and was eligible. SBI returned my application that I was not eligible. Later I submitted a complaint to the Govt Ministry. The bank came back mentioning same reason.

    40 years of scheme did not mention an exact date and hence, unclear. Can I submit a request that why I was rejected?

  483. I want to apply for this Pension Scheme
    I am working with Private Ltd. Company
    Here no PF, no other schemes which are related to savings or security is applied
    Tell me the procedure and steps to opt this Scheme
    Please send me a link on my email ID to apply it. (If possible)

  484. Hi,

    I have opened my Pension account in SBI. emi is getting deducted every montth from my account, also i got PRAN my SBI bank. Can i link my PRAN to bank to check online status and manage it. Will i get any PRAN related card from bank or APY authority??

  485. Hi Sir, I Joined APY last year. but i didn’t get any PRAN Card as yet. I also didn’t get the investment statement which was mentioned on circular that at the end of March, investment statement will be released. In this situation how I can go for tax benefit for this investment.

  486. I am a subcriber of APY. I have got my PRAN no. but i have not received my PRAN card . it is almost 8 month.what to do?where i can see my deducted premium by bank to online

  487. Monthly APY contribution is rebate any Income Tax section.

  488. sir,
    i already enrolled in apy now i want change my bank account
    due to some other reasons can change my account.And will continue apy

  489. My Name is Rupesh , My Date of Birth is 09/08/1992. I have applied for APY on 20th March,2016 For Rs 5000 as a pension . but I have opted for Half yearly payment method. after opting for half yearly Rs 1877 is deducted from My bank account on 22/3/2016 . & Once again rs1877 is deducted on 4/4/2016. so I dont understand with in the time period of 10 days twice as a half yearly premium deducted from my bank account. Now, I want to change my premium payment option from half yearly to monthly bais. Is these possible to change payment method. if yes so please revert as soon as possible.

  490. Sir,
    My PRAN/ Reference No :500048998838 had given to me on 30/12/2016 in SBI-TIRUPPUR NEAR OLD BUS STAND RAILWAY BRANCH. but as on you didn’t debit the money in my account. kindly check this and activate this account as early as possible.

    kindly check this and activate this account as early as possible.


  491. Suppose i get 5000/- per month pension after 60yrs of age under APY. Would it be taxable ? Corpus amount to nominee i.e. 8.5 Lakhs..would it be taxable ? Plz clear this point.

  492. Sir, I have given a savi fix account of IDBI bank in APY skim. Now as APY fix amount deducted from my account, the MAB of my account is disturbed. So I want to change the bank. The bank employee says that it is not possible. So give me guidance how to change the bank?

  493. I have an IDBI account in APY skim, how can I change the bank in APY skim?

  494. Hi,

    1. Till the date i did not received any certificate or any document as a proof of APY contributor.
    Neither i got any account number.
    Also there is no website which gives account details online. How should I get these details?

    2. If Wife is subscriber of APY & nominee is Husband.
    Then after her death, husband will continue to get pension but after his death also will kids get CORPUS amount? or kids needs to be nominee to be eligible to corpus amount?

  495. What is PRAN number?
    Is there any such number I shud get as a APY contributor?
    If yes from where?
    Thank You.

  496. sir upto march my emi cut properly but in april its not cut still !!
    any procedure every financial year we have to fill up the form ?

  497. Hi Sir,

    Priyanka here, I have an Atal Pension Yojana account opened with Canara Bank, Dhanori, Pune. When i told the bank official to close the APY account he told me what is written on the site and internet is fake and that they do not have any option in closing the APY account.
    Please can you help me with the procedure of how to close mu account.

    Also after seeing so many comments, i had a question if this scheme is really authentic and if we will actually get pension after age of 60?

    Please can you also tell a way of how we can see our APY balance.

    Thanks in advance.

    • initially it was not possible to close APY account but now you can. You have to complain in RBI against this. Scheme is government sponsored and authentic.

  498. i have enrolled in APY THROUGH SBI. till now monthly money is debited from my account with intimation. but till now i dont have a authentication letter of certificate to show , even i dont know my APY account no fully, i know through bank sms( e.g.xxxxxx1234). if i enquire in bank they say they are not at responsible and they say say that i will receive the enrollment certificate through registered post. i joined since 5 months. till now nothing i got for my authentication. worried about where my money is going. system should be foolproof. plz help me by stating what i should do next.

  499. i am 25, unmarried..
    so can i update my spouse name later on? and can i change my nominee name later on?

  500. I would like to apply for APY. Please clarify the following doubts:

    1. I am unemployed since last 4 years and not an Income tax payer too. My PF contribution for the years I worked has been withdrawn so I am not enrolled under social security scheme as of now. Will I be eligible for government contribution?
    2. Your article mentions government contribution was for enrolments prior to 31st March 2016. If I enrol now will I get government contribution?
    3. After 60 yrs if I die, since I am single, can my parent or sibling be eligible for pension. Or does the pension by default go to spouse only.
    4. Let’s assume I get married can I add spouse name later? Let’s assume I die at 62 yrs and my spouse two years after me, in that case will the nominee get the corpus amount of rs 8.5 lakhs. Or is there a pro rata calculation for corpus?
    5. When you say “The Pension that you will get after completion of term would be taxable” @ what rate is it taxed? Is the corpus taxable too?
    6. If I become an Income Tax payer/ get enrolled under EPF in future will I get government contribution?
    7. Whats the ROI applicable on the amount remitted to nominee in case of death before 60yrs?

  501. Sir ,
    I have two Question in my mind ,
    1. If i am contributing in APY and after two or three year , I got a government job and I will pay income tax than after 60 year I can take pension or not way?
    2. After few year I can change my soppose name or not , And how can i check My contribution amount

  502. My Wife joined this Pension scheme and regularly the amount is getting deducted but I have not got any certificate or any document or pension account number from GOI to show that we have enrolled for APY. Please let me know is there any process to get the documents


  503. I stay at Virar (West). Here, Axis Bank Branch is telling me that Person who is paying Income Tax cannot get enrolled for Atal Pension Yojna. Even I was the first one, two months before who was asking them for this scheme. Please Confirm if we can opt for this Atal Pension Yojna even if I am paying Income Tax.

    Also, update bank and me. So, that I can go and get enrolled.

  504. Can one enroll for NPS & APY schemes
    Will the pran nos will be different or one pran no will work for both

  505. sir,

    i have enrolled in apy scheme for Rs.1000, now i want to increase the same to Rs.5000/- is it possible what is the procedure.

  506. Sir,
    We have NPS Swavalamban existing customers, So we are going alankit office there nobody ready to take renewal and suggested go to Bank for renewal. In banks also says no renewal accepted existing NPS holder we are ready take only new entries only.

  507. I am a Assistant professor of a govt college. I shall get my pension after retirement ie i m having GPF.
    Now my queries are
    1. Am i eligible for APY
    2. if So shall i get any tax benefit
    3. if so will it be deducted from the gross taxable amount/year

  508. What if due to some reason we don’t have sufficient balance for a month or 2 whether the scheme will be cancelled automatically???





  510. please provide my ATAL Pension a/c certificate. no.500005266313

  511. Sir I had applied for the pension yogna and the respective amount is also deducting from my account but i did not get any acknowledgement for this..

  512. I have been under this scheme from last year May 2015 and checked with my SBI branch and they told there is no proof provided for my PRAN account, can you please let me know from when i can download or get the proof for having applied for NPS scheme so that i can use it as document for Tax payment.


  513. sir
    when i have started apy than i was not tax payer but now i am tax payer and state govt employee i have given intimation about this but they said they dont know how to change status
    and not recevied my intimation to whom i give my intimation about change in my salary

  514. Subject: Cancellation of Subscription to ATAL Pension Yojana of A/c No. 500046820102 for SANTOSH D. INGALE

    Dear Shriniwas Sir

    Ref: Pension Account No. 500046820102 start date 12.06.2015 of Rs. 1318/- & Saving Account No. 959353547.

    With reference to subject above I would like to cancel my subscription to Atal Pension Yojana, As telephonic discussion of regarding ATAL Pension account already for monthly installment has been closed, so I request you to kindly balance of credit the 8 installment which I had paid to my saving account no. 959353547 and do the needful at the earliest

    Thanks & Best Regards,

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