Atal Pension Yojana (APY)
Calculate contributions for guaranteed pension scheme for unorganized sector
Monthly Contribution Required
APY Contribution Chart (Monthly)
| Age | ₹1000 | ₹2000 | ₹3000 | ₹4000 | ₹5000 |
|---|---|---|---|---|---|
| 18 | ₹42 | ₹84 | ₹126 | ₹168 | ₹210 |
| 20 | ₹50 | ₹100 | ₹150 | ₹198 | ₹248 |
| 25 | ₹76 | ₹151 | ₹226 | ₹301 | ₹376 |
| 30 | ₹116 | ₹231 | ₹347 | ₹462 | ₹577 |
| 35 | ₹181 | ₹362 | ₹543 | ₹722 | ₹902 |
| 39 | ₹264 | ₹528 | ₹792 | ₹1054 | ₹1318 |
📌 APY Key Features
- Guaranteed pension of ₹1000-5000/month
- Age eligibility: 18-39 years
- Contribution till age 60
- Pension starts from age 60
- Spouse gets same pension after subscriber's death
- Nominee gets corpus on death of both
- Government co-contribution for eligible subscribers
- Tax benefit under Section 80CCD
- Auto-debit from bank account
- Available through all banks
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Frequently Asked Questions
Who is APY Calculator useful for?
APY Calculator is useful for users evaluating government-backed or regulated saving schemes for long-term planning.
Can scheme rules change over time?
Yes. Interest rates, eligibility rules, and deposit limits can change, so you should verify the latest official guidelines before investing.
Is this tool suitable for planning maturity value?
Yes. It is helpful for estimating maturity amount and understanding how the scheme can fit into your savings plan.
Should I verify final numbers from official sources?
Yes. Use official notifications, bank/post office documents, or scheme circulars for final decision-making.